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Mortgage
Documentation Requirements
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Depending upon what loan program you choose, documentation
will be required to process and underwrite your loan.
Here are the categorized requirements for your convenience.
Income Documentation
 | Last 2 years W2 forms.
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| Last 2 pay stubs (covering 1 month).
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| Last two years signed 1040s, all schedules if 25% or
more of your income is from self employment, overtime,
commissions, or employment by a relative. |
| Last 2 years business tax returns if you own 25% or
more of a business. |
| Current business income statement.
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| Proof of Social Security, pension, or disability
income. |
Asset Information
| Last 2 months bank statements - all
pages. |
| Last quarter investment or trust accounts
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| Copies of stocks, bonds, or US savings bonds
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| Current statement for 401(k) or IRA accounts
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| Real Estate you now own: address, current value, loan
balance, monthly payment, and rental income if any.
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| Listing agreement and sales contract if selling your
current home. |
| Value of autos, boats and any other personal property.
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Liability Information
| Complete list of current debts and
minimum monthly payments (may be taken from credit
report). |
| Last 12 months cancelled checks (front and back) for
rent or land contract. |
Home
Information
| Copy of your sales agreement.
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| Copy of the MLS listing card.
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Miscellaneous Information which may be required
| College diploma if graduated
within last two years. |
| Copy of Drivers License or picture ID at closing.
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| Gift letter signed by donor and proof of receipt.
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| Landlords contact information.
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| Copy of your earnest money deposit check.
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| Contact name and phone for appraisers access to
property. |
| Your Realtor's contact information.
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As an alternative to the above requirements, you may
qualify for either a limited or no documentation loan .
Please call for more details.
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