Documents Required
- Driving license copy - both sides
- Past two (2) years W-2 statements
- Two Pay Stubs covering the last (30) thirty days
- Two most recent monthly bank statements
- if non US Citizen -> Copy of Green card / H1B copy (all pages) & passport (details, visa pages).
- (for Purchase Loan): The signed Purchase contract & Earnest money check copy
Additional Property Documents:
- If you own any properties (including the currently Owned primary home)
- Latest Mortgage statement & if not escrowd (need Home Owner's insurance copy, Property Tax statement)
- HOA statement/transactions (showing property address, amount, pay frequency)
- If this was already leased:
- need active lease doc & proof of two months rent received
- if the property was purchased within last 12 months, need ALTA/CD showing the purchase date
- or need latest year tax returns, showing this property in Schedule E
If you have income other than W2's (1099/rental/business etc)
- Last 2 years tax returns (all Pages)
-
If self-employed (owner) through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet