Documents Needed

You will need the documents listed below when obtaining a mortgage loan or refinance loan. Some documents are specific to your type of loan.

  • Documents
  • Purchase
  • Refinance
  • Identification Documents
  • Driver License

    Permanent Resident Alien Card/Green Card

  • YES
  • YES
  • Income Documents
  • Salaried

  • Pay Stubs for 2 recent pay periods

    Last two years - W2 forms, 1099’s

  • YES
  • YES
  • Self Employed

  • Current year’s Year to date Profit and Loss Statement to current month

    2 Years of 1040 (Personal Federal Tax Returns)

    2 Years of Business Returns – all schedules required

    Year To Date Profit & Loss Statement to current month

    Year to Date Balance Sheet to current month

    Most recent 3 months business bank statements

  • YES
  • YES
  • Other Income

  • Retirement Benefit Award letters with proof of 3 years continuance

    Social Security Award Letter

    Disability Award Letter

    Divorce Decree. Child Support Order & DES received payment history

  • YES
  • YES
  • Asset Documents
  • Checking / Saving Bank Account Statements. Bank statements for recent two consecutive months

  • YES
  • YES
  • Gift Funds

  • Completely filled Gift Letter signed by donor & receipt – will be provided

    Donor’s bank statement

  • YES
  • NO
  • Retirement Accounts / Stocks and Bonds

  • Recent statement covering minimum of 60 days

    Terms and Conditions of Withdrawal confirming sufficient access to withdraw funds whenever required

  • YES
  • YES
  • Transactions Specific Documents
  • Purchase

  • Purchase / Sales Contracts or Offer to Purchase with all Addenda (Attachments and Endclosures)

    Copy of the Earned Money Check and Receipt from Title/ Escrrow company

  • YES
  • NO
  • Refinance

  • Mortgage statements for mortgages associated with other properties owned

  • YES
  • YES
  • Current Mortgage Statements

    Homeowners insurance Declaration page reflecting annual premium

    Tax Bill / Tax Certificate

    Current Homeowners Association (HOA) bill

  • NO
  • YES

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