Almost every mortgage lender requires that you provide the following documents in order to obtain a new mortgage loan:
- Past two (2) years W-2 statements
- Most recent two (2) years of federal tax returns (1040s) with all schedules
- Pay Stubs covering the last (30) thirty days
- If retired: social security award letter, recent retirement penstion statement
- Two most recent monthly bank statements
- Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
- Copy of state issued ID with photo
Also, the following documentation is also generally required.
For a refinance:
- Homeowners insurance agent contact information
- Most recent mortgage statement
For a Purchase:
- A signed purchase contract
- Realtor contact information
- Condo Association contact information
For a VA Loan:
- DD Form 214 (Long Form)
- Certificate of Eligibility
If you are divorced:
If you are self employed, employed in sales, paid by commission,or own rental real estate:
- Two (2) years signed personal tax returns - including all schedules
- If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet
Different programs require varying amounts of documentation. The loan program you select may require more or less documentation.
Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.
