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Required Documents

All Transactions

  • W-2 statements –  2 years most recent
  • Tax Returns – 2 years most recent (signed on p. 2)
  • Pay Stubs – 3 most recent
  • Bank Statements – 2 most recent
  • Asset Statements – 1 most recent (401K, IRA, etc.)
  • Homeowner’s Insurance contact information
  • I.D. – 2 forms (typically Driver’s License & Soc. Sec.)


Refinance Transaction

  • Mortgage Statement (existing loan)
  • Note (existing loan)
  • Property Tax – Most recent bill/statement
  • HOA – most recent statement (if applicable)
  • Homeowner’s Insurance Policy (policy # and cost)


Purchase Transactions

  • Purchase Agreement & all addendums
  • MLS Listing


If Applicable

  • Child Support Agreement
  • Divorced Decree (fully executed)
  • Credit issues…  Letter of explanation for any major credit events or issues
  • Self-employed:  Business Tax Returns
  • Other properties owned

List of Properties owned with value, mortgage, taxes, insurance, HOA and rents



         Different loan programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.