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Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

  1. Complete the residential loan application
  2. If you are salaried: provide W-2's for the previous two years and paystubs for the most recent 30 day period. We will also need signed copies of complete federal tax returns for the most recent 2 year period including all schedules.
  3. If you are self-employed, provide complete signed tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.)
  4. If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules.
  5. To speed up the approval process, provide bank statements for the most recent 2 months, and recent statements for stock, mutual funds and IRA/401K accounts.
  6. If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
  7. If applicable, provide a copy of your divorce decree and settlement agreement.
  8. If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
  9. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
  10. If you are applying for a home equity line of credit or loan (second loan), also include your first mortgage note. (This should be with your closing loan documents.)
  11. 2 forms of ID. Lenders are required to collect 2 forms of ID. Driver's license, and social security card. Valid passport is also acceptable.