The list below applies to EACH Mortgage APPLICANT(s) / Borrower(s) ONLY. Person(s) on Title but not on loan must only provide a copy of a valid
ID.
(A) Basic Document Set for PURCHASE loan
Complete the credit pull authorization form (attached or online).
Copy of Govt. issued ID showing CURRENT address
Copy of Social Security card/ ITIN number.
Last 2 months Personal bank statements-ALL pages, even blanks.
Last 30 days income statements* - pay stubs/ 1099 /rent /SSA
/SSI /Stock dividend /commission, etc are income also.
Recent Personal Tax returns* - ALL pages with W2's /1099s etc. Prior
Personal Tax returns* - ALL pages with W2's /1099s etc.
(B) For Re-financing loan - + (A)
Current month's mortgage statement
Current Home owner's insurance invoice copy
HOA monthly/quarterly Statement, if any.
LATEST monthly statement(s) for ALL items Refi is going to pay off.
Copy of lease, if the property is currently rented.
(C) IF Self employed (25%+ owner of the business where you work) + (A)
Last 2 years' business tax returns - ALL pages
Last 2 months' business bank statements.
(D) For 2nd or further properties (even if shared with others) + (A)
For EACH property Owned ;
Last month's mortgage statement, if any
Current Home owner's insurance invoice copy, if any.
HOA monthly/quarterly Statement, if any
Current Property Tax bill copy, all applicable
Copy of lease, if the property is currently rented.
Advise in advance if you plan to use Gift/DPA funds
Advise in advance if you are 1st time home buyer.
If you are missing any document - ask for an alternate document list. - Particular
loan scenarios/programs may call for additional document(s) - More information
provided at the beginning helps a SMOOTH APPROVAL.
