Having your financial documentation in order will help get the process off to a good start. Below are some of the documents you may need to provide to complete the loan application process:

For a Purchase Loan:

• Signed Purchase Agreement
• Last 2 years Tax Returns
• 2 years W-2 forms on all borrowers and current paystub
• 12 months cancelled checks for verification of rent/mortgage
• 2 months copies of personal bank statements
• Asset Statement (401K, Brokerage Accounts, Mutual Funds, Stocks, etc)
• Signed loan application
• Mortgage Statement or Coupons/rental agreements
• Borrower's signed authorization
• Driver's License and Social Security Card
• Self employed – two years federal tax returns with all schedules
• Name, address and account numbers for all deposit accounts and loans
• If applicable – divorce decree
• Name and address of landlord if renting
• Verification of support payments (income and expense)

For a Refinance Loan:

• Last 2 years Tax Returns
• 2 years W-2 and current paystub
• 2 months copies of personal bank statements
• Asset Statement (401K, Brokerage Accounts, Mutual Funds, Stocks, etc)
• Signed loan application
• Mortgage Statement or Coupons/rental agreements
• Borrower's signed authorization
• Driver's License and Social Security Card