Documents for a Purchase:
This would include new
construction builds & existing home purchases |
- W-2’s for past two years
- Two recent pay stubs
- Two months statements (all pages) for
deposit accounts. Example: checking, savings, stocks, mutual funds,
401k.
- Application deposit of $300.00.
- Drivers License
- Purchase agreement – if you have already
signed
See
“Additional
Items” below.
|
Documents for a Refinance:
This would include rate & term refinances along with cash-out
refinances |
- W-2’s for past two years
- Two recent pay stubs
- Two months statements (all pages) for
deposit accounts. Example: checking, savings, stocks, mutual funds,
401k.
- Application deposit of $300.00.
- Drivers License
- Current mortgage statement – that would
include any second mortgage.
- Homeowners insurance declarations page
- Summer & winter property taxes (if
escrowing)
See
“Additional
Items” below.
|
| Documents for a
Home Equity & Bridge Loan: |
- W-2’s for past two years
- Two recent pay stubs
- Two months statements (all pages) for
deposit accounts. Example: checking, savings, stocks, mutual funds,
401k.
- Application deposit of $300.00.
- Drivers License
- Homeowners insurance declarations page
See
“Additional Items” below.
|
Additional Items:
Please bring the following items
if they apply to you. |
- Self employed or commissioned – Federal
Tax Returns (1040’s) for the past two years.
- Self employed – Business tax returns for
the past two years if more than 25% ownership, and YTD Profit & Loss.
- HUD-1 Closing Statement from the sale
and closing of your home
- Bankruptcy & Discharge papers
- Land Contract if it is being paid off by
a refinance
- Canceled deposit checks to
Realtor/Builder – front & backs required.
- Landlord name, address, and phone
number.
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