A Handy Little Checklist
Valid photo identification.
Bank/asset statements for the last 2 months on all checking, savings, stock, mutual fumds, IRA, or other liquid assets you would like on your loan application.
Pay stubs ofr the last 30 days.
W-2 forms for the past 2 years, including all schedules.
If self-employed or you own more than 25% of a business, copies of business tax returns for the past 2 years, including all schedules. Provide all K-1's to prove ownership interest in any entity.
For other real estate owned, we need loan information, monthly payment, and any rent collected.
Homeowner's insurance contact info.
Landlord/Mortgage company information for past 2 years.
Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan.
Bankruptcy or property short-sale/foreclosure information.
A copy of the settlement statement if you sold property in the last 3 months.
Child support information, copy of divorce decree and/or separation agreement, if applicable.
A copy of the signed real estate contract, if you've already made an offer on a home.
Resident alien card, front and back if applicable.
Refinance Checklist
Current mortgage statement for property you want to refinance.
Current second mortgage or equity line statement for property you want to refinance.
Estimated value of your home.
Recent annual homeowner's insurance policy statement for the property you want to refinance.
Pursuant to federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration. Your loan officer can provide you with a list of documents that are helpful to a lender when pre-qualifying a borrower.
