Your Initial Appointment

What to bring if you:

Are Refinancing

Current Mortgage
Copy of Note(s) for 1st mortgage & Home Equity
HOA payment information (if applicable)

Are Self Employed

Business License
Business Bank Statements (for the previous 2 months)
K-1s

Veteran’s DD214
Disability Documentation (if applicable)

Pension/Retirement Income (proof of receipt on bank statements)
Social Security Income (proof of receipt on bank statements)

Are an Investor

All current mortgage/loan statements for all properties
Property Tax Information for all properties
Homeowner’s Insurance Information for all properties
All current leases

Have been involved in a bankruptcy

Initial Filing Paperwork with a complete list of creditors
Discharge Paperwork
**For Chapter 13: 12 month pay history from Trustee

Have been involved in a divorce

Divorce Decree
Child Support Orders
Alimony
Proof of wages being garnished/Deposits of funds into Bank Statements

What to bring for all Loans:

Unexpired photo ID for each borrower
Social Security Card (acceptable alternatives: Passport or Birth Certificate)
Most recent pay stubs (showing 30 days of income)
Most recent W2s/1099s (for the previous 2 years)
Most recent Federal tax returns with all schedules (for the previous 2 years)
Most recent Bank statements/401k/Retirement Accounts/Investment Accounts (for the previous 2 months) **all pages in numbered sequence**
Must fully source ANY large deposits, except payroll direct deposits
Home Owner’s Insurance agent’s contact information
Current Mortgage/HELOC statements, insurance, and property tax information for any currently owned properties