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Home > Loan Process > Required Documentation

Documents Required for Approval


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Basic Documents

Past two (2) years' W-2 statements
Pay stubs covering the last (30) thirty days (borrower and co-borrower)
Most recent two (2) months' bank statements (all pages)
Most recent transaction summary of 401K, IRA, or mutual fund accounts (all pages)
Photocopies of any stocks or certificates of deposits
Photocopies of drivers license(s)

Additional items: Home purchase

Copy of the purchase and sale agreement
Name, address and telephone number of your landlord (if you're currently renting)

Additional items: Refinance

Copies of current Homeowners insurance policies
Copies of mortgage statement(s)
Contact name and telephone number of your homeowners' association or management company
Copy of the note of the second trust (if subordinating)
Copy of purchase HUD (if paying off purchase money second)

Additional items: Poor credit

A letter of explanation for any known credit problems

Additional items: Applicants who have filed bankruptcy

Copy of petition and discharge
Handwritten explanation of reason for bankruptcy
Evidence of excellent credit since bankruptcy

Additional items: Self-employed or commission-paid borrowers, or those who own rental real estate

Copies of previous two (2) years' signed personal tax returns, including all schedules
Copies of previous two (2) years' corporate returns, a year-to-date profit and loss statement and balance sheet (if self-employed through a corporation)

Additional items: Divorced applicants

A fully-executed divorce decree
Copies of alimony or child support decrees and payments

Additional items: Non-US Citizens

Copy of Green Card
Copy of Visa (if not a Green Card Holder)

Additional items: Retired applicants

Copy Social Security award letter
Copy of pension letter