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
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.
Cristina was amazing to work with! Anytime something came up she provided us with everything we needed to know and this was the quickest mortgage loan we have ever had. Whenever we had questions there was no wait, she was always there and we couldn’t have asked for anyone better!
We can’t believe the experienced this company has did for us. They treated us like family and worked with us 24/7. I would recommend Summit Funding to all of my family and friends. If you want things to be done right with care and respect Summit is the one for you.
Jen helped me purchase my first home in 2009 & I have been working with her exclusively since then. Very pleasant experience working with Jen & the team as per usual. They work fast & efficiently to provide the best service possible. Thank you once again! :)
The communication throughout the loan process, I like being informed. The office is great to work with, Todd has a great team.
I used Todd's team for my purchase and refinance. Todd watched the rates and when it made sense for me to refinance Todd reached out to me, it was very easy.
Ari made the loan process so easy. He was prompt and always an email or phone call away with any questions. He’s knowledgeable and was able to have my loan funded in a very short amount of time! He worked well with my realtor and I felt supported every step of the way!
Linus and his Team have been terrific through this process. They established secure transaction and documentation protocols, treated me as if I were buying a five million dollar mansion instead of my little two bedroom retirement snug, and were always courteous, friendly and professional. The best experience I could have had. Thank you so much!
