Required Documentation for Mortgage Application

• Past two (2)years W-2 statements.
• Pay Stubs covering the last (30) thirty days.
• Most recent three months banks statements.
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Photocopies of any Stocks or Certificates of Deposits.
• Copy of the Purchase and Sale Agreement
• If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord.
• If divorced… a fully executed divorce decree.
• 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, Employed in sales, Paid by commission, or Owns Rental Real Estate:

• Two (2)Years signed personal Tax returns- including all schedules.
• If self-employed through a corporation, last two 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.