Document Checklist
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 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
