Be prepared to bring in:
- Past two (2) years W-2 statements
- Pay stubs covering the last 30 days
- Three (3) most recent monthly bank statements
- Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
- Photocopies of any stocks or certificates of deposit
- Copy of the purchase and sale agreement
- If you are currently renting….either 12 months canceled rent checks or the name, telephone number, and address of your current landlord
- If divorced…a fully executed divorce decree with child support information (if applicable)
- For a refinance...a copy of the deed and most recent tax bill
- A letter of explanation for any known credit problems
For self-employed borrowers, those employed in sales, paid by commission, or who own rental real estate:
- Two (2) years signed personal tax returns - including all schedules
- If self-employed through a corporation, last two (2) years corporate returns as well as a year-to-date profit and loss statement and balance sheet
Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.
