Driver’s License Social Security Card Pay stubs for past 30 days Checking/Savings account past 2 months (ALL PAGES) 401K/Mutual Funds/Annuities/Asset Accounts (ALL PAGES) W2’s and Tax return for the past 2 years (ALL PAGES) Pension Award Letter (if applicable) Social Security Award Letter or SSI Disability Letter (if applicable) Bankruptcy Discharge papers (if applicable) Divorce Decree or Separation Agreement (if applicable) Child Support Documents/ Court Order (if applicable)
DOCS NEEDED FOR REFI’S
Current Mortgage Statements (SECOND or HELOC) Owners Title Policy Warranty Deed Survey Copy of Property Tax Bill Home Owners Insurance Policy HOA / Condo Association information
DOCS NEEDED FOR PURCHASE
Copy of Sales Contract Copy of Deposit Check front and back HOA / Condo Association information
DOCS NEEDED DOWN PAYMENT ASSISTANCE
Home Buyers Educational Seminar Certificate Birth Certificates for all children residing in the household Copy of Identification for all adult household members (SS Card, Residency Status and DL) Verification of Earnings plus last 6 pay stubs Verification of all other income sources Six (6) months of Bank Statements for all Checking Accounts Last month’s Bank Statement for all Savings Account (including CD’s and Money Market accounts) Other assets (i.e. Most recent statement for Retirement Accounts, Stock, Bonds, etc)
VA LOANS
DD 214 Award Letter from VA if Veteran receives Disability payment from VA.
SELF EMPLOYED BORROWERS
Business License for 2 Years/CPA Letter 2 months Bank statements- Both Business and Personal Year-to-Date Profit and Loss Statement Past 2 Years Tax returns- Both Business and Personal