Download a checklist:
Purchase | Refinance
Documents Needed for Purchase:
- Copies of W-2's for the last two years
- Copies of your most recent 2 years tax returns
- Copies of paycheck stubs for the last 30 days (most current)
- Copies of checking and saving account statements for last 2 months (all pages)
- Copies of quarterly or semi-annual statements for IRA's, CD's, money market fund, stock, 401k, profit sharing, etc.
- Copy of drivers license for applicant and co-applicant
- Copy of sales contract when ratified
- Canceled earnest money check when it clears or corresponding bank statement, if applicable
- Any assets used for down payment, closing cost, and cash reserves must be documented by a paper trail
- Name, Phone Number, & Email for your Real Estate Agent
- Insurance information for each property owned, If applicable
- Copy of Mortgage Statement for each property owned, If applicable
Documents Needed for Refinance:
- Copies of W-2's for the last two years
- Copies of your most recent 2 years tax returns
- Copies of paycheck stubs for the last 30 days (most current)
- Copies of checking and saving account statements for last 2 months (all pages)
- Copies of quarterly or semi-annual statements for IRA's, CD's, money market fund, stock, 401k, profit sharing, etc.
- Copy of drivers license for applicant and co-applicant
- Insurance information for each property owned
- Copy of Mortgage Statement for each property owned
If Self-Employed:
- Copy of current profit & loss statement and balance sheet
- Copy of corporate/partnership tax returns for most recent 2 year period if owning 25% or more of company — copies of W-2's and/or 1099 forms
Documents needed for FHA/VA Loans:
- FHA & VA: Copy of social security card
- VA: Copy of DD214 Discharge Paper
Documents which might be required:
- Divorce Decree if applicable
- Documentation supporting moneys received from social security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter, evidence income will continue.
