Required Docs.

Required Documents for the Loan Process

Whether Purchase or Refinance, here’s a Standard List for Most Programs!

For Salaried Borrowers:

• Last Two Pay-Stubs.
• Last Two Year’s W-2’s.
• Last Mortgage Statement. (If Refinancing)
• Clear copy of a Government Issued Identification.
• HOA Statement. (If it’s a townhouse or a condo)
• Last Two Year’s of Tax Returns. (All pages and schedules)
• Homeowner’s Insurance Policy. (If you own other properties, we’ll need the homeowner’s insurance declaration page for those properties as well.)
• Copy of Your Last Two Month’s Bank Statements for All Assets. (We need every page of the statement even if the page is left blank intentionally. If you included an investment account and you only receive quarterly statements – one statement is fine. Please be sure to include the statement that you are using for your down payment.)

For a Retired Borrower:

• Last Two Year’s 1099’s. (If Applicable)
• Last Mortgage Statement. (If Refinancing)
• Copy of Your Social Security Award Letter(s).
• Copy of Pension Award Letter(s). (If Applicable)
• HOA Statement. (If it’s a townhouse or a condo)
• Clear copy of a Government Issued Identification.
• Last Two Year’s of Tax Returns. (All pages and schedules)
• Homeowner’s Insurance Policy. (If you own other properties, we’ll need the homeowner’s insurance declaration page for those properties as well.)
• Copy of Your Last Two Month’s Bank Statements for All Assets. (We need every page of the statement even if the page is left blank intentionally. If you included an investment account and you only receive quarterly statements – one statement is fine. Please be sure to include the statement that you are using for your down payment.)

For a Business Owner:

• Last Two Year’s W-2’s. (If Applicable)
• Last Two Year’s 1099’s. (If Applicable)
• Last Mortgage Statement. (If Refinancing)
• Last Two Pay-Stubs. (If W-2 Owner-Employee)
• HOA Statement. (If it’s a townhouse or a condo)
• Clear copy of a Government Issued Identification.
• Last Two Year’s of Tax Returns. (All pages, schedules and K1’s – if Applicable)
• Homeowner’s Insurance Policy. (If you own other properties, we’ll need the homeowner’s insurance declaration page for those properties as well.)
• Copy of Last Two Year’s Bank Statements for All Assets. (We need every page of the statement even if the page is left blank intentionally. If you included an investment account and you only receive quarterly statements – one statement is fine. Please be sure to include the statement that you are using for your down payment.)

For Borrowers who are Commission based, 1099’s, Contracted Employees and/or schedule C:

• Last Two Year’s 1099’s. (If Applicable)
• Last Mortgage Statement. (If Refinancing)
• Clear copy of Government Issued Identification.
• HOA Statement. (If it’s a townhouse or a condo)
• Last Two Year’s of Tax Returns. (All pages and schedules)
• Homeowner’s Insurance Policy. (If you own other properties, we’ll need the homeowner’s insurance declaration page for those properties as well.)
• Copy of Your Last Two Month’s Bank Statements for All Assets. (We need every page of the statement even if the page is left blank intentionally. If you included an investment account and you only receive quarterly statements – one statement is fine. Please be sure to include the statement that you are using for your down payment.)

We Consistently Beat Banks & Credit-Unions on Rates and Services. Not ALL Loan-Programs Require these List of Documents. Please reach out to see how it can be waived and with which Program. Currently We are only Licensed to Sell Mortgages in California, we plan to extend our services to 11 other States by end of 2021. Thank you for your Loyalty!