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Here’s a list of what’s most commonly needed:
couple
docs Required Loan Documents
1. Copy of driver’s license and 2nd form of ID such as a social security card
2. Signed loan application and disclosures Click here to download
3. Mortgage statement for refinance
4. Home Owners insurance- copy of Declaration Page
5. Rental agreement if applicable.
When someone has two or more mortgages then mortgage statements, insurance copies, and rental agreements are needed from all properties.

docsAdditional Loan Requirements
1. W2's for the last 2 years
2. (2) most current pay stubs
3. Proof of assets (401k, checking or savings account, IRA, money market, stocks, retirement account, etc.). Last two statements
4. Self Employed borrowers need to provide the last 2 years tax returns including all schedules and a year to date profit and loss statement.
If someone has two or more jobs then the W2's and pay stubs are necessary from all of them.
Usually required is six months worth of assets in reserve (six times monthly mortgage payment).

docsAdditional Purchase Requirements

1. Signed Purchase Contract and final counter offer by buyers and sellers

Additional documentation other than that listed above will be required. This will depend on your individual situation and the type of loan you are applying for. Gathering this together in advance will help make the process go smoother and more efficient.

There are three ways you can apply for a loan.

1. Click on the apply now link which will allow you to complete the initial loan application process through a secure site.

2. Contact us either by phone, email, or fax to set up an appointment with one of our licensed loan consultants.

3. Call today to get started.