Here’s our checklist of documentation we may need from you for your home purchase or refinance.
This list may seem extensive but we’re turning your dreams into a reality!
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
Pursuant to Federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration. Your loan officer can provide you with a list of documents that are helpful to a lender when pre-qualifying a borrower.
From start to finish Summit has been a class act! They have amazing talented thoughtful customer service reps at every position and follow through with their promises. I highly recommend The Summit Team for all your mortgage needs and even life advice ; )
Thank you
Outstanding communication between Shaun and us. She was always ahead in the game. We never had to wait or wonder about the process. Shaun kept us updated and informed. She even set my wife up with a Hair appointment. She made this a wonderful experience. Thank you Shaun.
Jon and his team, especially Anna, were absolutely wonderful to work with! I had a deadline to meet and Summit made sure the transaction was seamless with no stress! From the very beginning, everything was accurate. I would highly recommend my close friends, family or even a stranger on the street to Summit Funding! Thank you again!
Dan and his team are very clear, communicative, professional, and easy to work with. They are always on top of every aspect of the process and keep us updated on status. They are just the best, which is why we have asked them to handle all of our financing needs for the last 8 years.
I have had a lot of banking transactions in my life. Most of the time I had to wing it with very little help. Todd got my loan started and Michelle was super helpful and walked me through all the steps. She kept me up to date on all progress of my loan right to close.
Thank you
I really appreciated that John kept me up-to-date on what was happening, and assured me that everything was moving along smoothly. He was always professional and upbeat and knowledgeable about whatever the situation was, which was occurring. I did not worry due to his reassurance that everything was flowing smoothly with my loan.
