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
Are a Veteran
- Veteran’s DD214
- Disability Documentation (if applicable)
Are Retired
- 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
