Required Documents

Identification

  1. Driver’s license(s)/Passports: Scanned copies are best as the resolution. Save as a PDF.

  2. Social Security card(s).

  3. If you are not a US citizen, a copy of the front and back of your green card(s).


Income

  1. Your paystub(s) covering the last 30 consecutive days (must include a year-to-date income).

  2. W-2 Forms for the last two years.

  3. Award letter for any social security and/or disability income. Should show income to continue for the next three years.

  4. Retirement award letters. Should show income to continue for the next three years.

  5. The last two years' personal federal income tax returns with all pages and all schedules. These must be signed and dated.

  6. If you are self-employed, please provide the last two years' tax returns (all pages).


Assets

  1. Last two months of bank statements. These must include all pages of the statement(s) even if the last page is blank. Internet copies are acceptable as long as they contain your bank name, account number, name, and 60 days history. Statements with redacted information are not acceptable.

  2. Last quarterly statement for all listed other asset accounts. This will include 401(k), IRA, stock accounts, and mutual funds. Must include all pages of statement even if the last page is blank.


Miscellaneous Supporting Documentation

  1. If you own other real property (rental or second homes). Please provide a hazard insurance declaration page, property tax statements, leases, and a copy of the current mortgage on all properties.

  2. If applicable, a signed copy of your complete divorce decree.

  3. If you receive child support, alimony, or separate maintenance and wish this to be considered as income, provide proof of receipt for the last 12 months and a copy of the court order.

  4. If you have a previous bankruptcy, a copy of discharge or dismissal paperwork.


If Purchasing a Home

  1. Fully executed sales contract completed by all parties (realtors, sellers, and buyers) with all signed addendums ( any required documentation per said addendums).

  2. Proof earnest money deposit has cleared your bank. A picture of the cleared check (front and back) should be available through your bank’s online access.

  3. Copy of sales contract on an existing home if you are selling a current home.


If Refinancing a Home

  1. Most recent mortgage statement(s) for your current loan(s) for all properties.

  2. Hazard Insurance Information: a copy of your hazard insurance declarations page or provide the name, company, phone number, and policy number for your homeowner’s insurance. * The following items should be in the file you received after your last closing on this property.

  3. Copy of your Home Owners Association Statement (if applicable)

  4. Copy of your property survey.


VA Streamline

  1. Recent Mortgage Statement

  2. Current Mortgage Note

  3. Homeowners Insurance Declaration Page

  4. Copies of Drivers License and Social Security Cards

  5. Copy of DD214 (VA Eligibility Form)

  6. VA Disability Letter (If Applicable)

  7. Second Mortgage Information (If Applicable)

  8. Homeowners Association Documentation (If Applicable)

  9. Copy of your property survey