Documents Needed

As you move through the pre-qualification process we will need to verify your application information with the supporting documents listed below. Not every document will apply to each borrower, so please be prepared to provide each one that DOES apply to you.  This will speed up the pre-qualification process.  Thank you!

  • Federal Tax Returns
    • 2021 and 2020  (all pages and schedules)
    • Please note if you have any K1 Income listed on your returns. Also, if you own more than 25% of any business, then business returns will be required for 2021 and 2020, as well as current Year-to-Date P&L statement. In Addition current guidelines will require 3 months of business bank statements.
    • If filing a schedule C, provide Year-to-Date P&L Statement
  • Corporate/Business Returns
    • 2021 and 2020 (all pages and schedules) with P&L (through recent quarter)
  • W-2’s and 1099’s 
    • 2021 and 2020
  • Pay stubs
    • Most recent 30 days of pay stubs for each borrower
  • Two Months Most Recent Bank Statements- ALL NUMBERED PAGES
    • Please explain all non-payroll deposits (please include copies of any checks)
  • Social Security and/or Pension Income
    • Current year award letter (if receiving social security or pension as income)
    • With pension, provide letter that states what type of benefits (i.e., lifetime)
  • Other assets (401k, IRA Thrift Savings)
    • Most recent quarterly statement required (all pages)
    • Provide terms of withdrawal
  • Color Copy of Driver’s License and Social Security Card
  • Mortgage and HOA Statements
    • Provide for all properties owned
    • Please note: If your property taxes and insurance are paid separate from our monthly mortgage payments, provide current tax bill and homeowners declaration page.  If you pay HOA fees, provide an HOA coupon.
    • If you have solar, we need a copy of the solar lease
  • Divorce Decrees
    • Need all pages
  • DD214 (for VA borrowers only)
  • Foreclosure and Short Sale Properties
    • Need complete addressees of all such properties for the last 7 years.
    • If you partook in any forbearance options due to Covid19, we’ll need info specific to that (dates, modifications, etc.)