REQUIRED DOCUMENTS

IMPORTANT-PLEASE SUBMIT WITH ALL APPLICATIONS

This is a list of documents most lenders will require in order to process your mortgage application.

Verification of income

  • Earnings statements: 2 Years W-2 forms, 1 month-recent pay stubs and possibly Federal tax returns for the past two years;
  • If you are self-employed: profit and loss statements and tax returns for current year and previous two years;
  • Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on.

Verification of your assets-When submitting statements we need the complete statement.   If there are 3 pages for example we need 1 of 3, 2 of 3 and 3 of 3.

  • Statements from one major Bank Account or Investment Account or;
  • List of bank account numbers, or investment accounts the address of your bank branch, checking and savings account statements for the previous 2-3 months;

IF ANY MONEY IS REQUIRED AT CLOSE OF ESCROW, PLEASE WRITE THE CHECK FROM THE SAME ACCOUNT THAT YOU PROVIDED FOR THE ASSETS ABOVE

Information about the purchase

  • Copy of the ratified purchase contract;
  • If you made a deposit to the seller to show that you are serious about buying the house, include a copy of canceled deposit check on house.

If a source of your down payment is a gift

  • Name, address and relationship of donor.
    Gift funds will be verified in both the donor and recipient's accounts.
    Note: Not all loan programs allow gifts to be part of your down payment. 


For Construction/Perm Loan

  • Signed construction with cost breakdown, builder plan and specifications

Miscellaneous

  • Photo ID and proof of Social Security number.
  • Residence addresses for the past two years.
  • If applicable, a copy of your divorce decree.
  • If you are not a citizen, a copy of the front and back of your green card.




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Statewide Funding

Referral Based Real Estate Lending Since 1992

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