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MORTGAGE DOCUMENT CHECKLIST

PURCHASE, REFINANCE AND CASH-OUT MORTGAGES

Application Information

Include all information below in an email with the documents from the section(s) you choose below.

Email the items below to [email protected]

  • Copy of driver’s license or passport
  • Copy of social security card
  • Address history last 2 years?
  • How long at current address?  Rent or Own?
  • If renting, current rent paid/month?
  • Employment history last 2 years?
  • Name of company owned?
  • Current job title?
  • How long in current job title?
  • Married or UnMarried?
  • Dependents, names and ages (if any)
  • Hazard insurance policy DEC page
  • Current mortgage statement (refinance)
  • Signed copy of purchase agreement (purchase)

Self Employed Individuals and Business Owner's

To qualify with Bank Statements, submit these items:

  • Credit Authorization (include with the items below)
  • Last 24 months current bank statements (all pages)
  • Business license or CPA letter showing you’ve been in the same business for the last 2 years.

To qualify with Tax-Returns, submit these items:

  • Last 2 years of K-1’s (if applicable)
  • Last 2 years tax returns (1040’s)
  • Business license or CPA letter showing you’ve been in the same business for the last 2 years.
  • If 25% or greater ownership, last 2 years 1065 and/or 1120S S-Corp returns.

Salaried (W-2) Borrower's

  • Credit Authorization (include with the items below).
  • Pay-stubs covering a 30 day period
  • Last 2 years tax returns (1040’s)
  • Last 2 years of W-2’s

Retired Individuals

  • Credit Authorization (include with the items below)
  • Social Security, pension and other retirement award letters
  • Last 3 months of bank statements
  • Last tax return or 1099’s

Miscellaneous Income Documents

  • Copy of the rental agreements for any rental units owned.
  • If applicable, a copy of your divorce decree.
  • If you’d like child support considered, provide proof for the previous 12 months.
  • If you’re not a US Citizen, copy of your green card front/back.
  • If you have an insurance agent, their contact info for your homeowner’s insurance policy.
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