A little preparation in advance, will keep you moving quickly all the way home.
Get ready. Get set. Go, go, go!

Items that may be requested during your home loan process:

• Valid photo identification
• Bank/asset statements for the last two months on all checking, savings, stock, mutual funds, IRA, or other liquid assets you would like on your loan application
• Pay stubs for the last 30 days
• W-2 forms for the past two years
• Federal tax returns for the past two years, including all schedules
• If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules. Provide all K-1’s to prove ownership interest in any entity.
• For other real estate owned, we need loan information, monthly payment, and any rent collected
• Home owners insurance contact info
• Landlord/mortgage company information for past two years
• Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan
• Bankruptcy or property short-sale/foreclosure information
• A copy of the settlement statement if you sold property in the last three months
• Child support payment info, copy of divorce decree and/or separation agreement, if applicable
• A copy of the signed real estate contract, if you’ve already made an offer on a home
• Resident alien card, front and back, if applicable

For Refinancing your home, some additional information may be needed:

• Current mortgage statement for property you want to refinance
• Current second mortgage or equity line statement for property you want to refinance
• Estimated value of your home
• Recent annual Homeowners insurance policy statement for the property you want to refinance