Mortgage Pre-Approval Letter

Please send the following to info@deshcapitalllc.com OR Fax at (407) 305 7002

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
• 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 a 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.

Email or Fax to: info@deshcapitalllc.com / (407) 305 7002

* - NOT needed for No Income / No Ratio / Alternate document loans.