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
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