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.
Mark and his staff pulled off miracles in getting this done with the unprecedented Coronavrius madness and they still worked through it all and around the clock to get matters done timely. I was very impressed by their professionalism and accessibility. Best I have ever worked with.
After an entirely smooth transaction with Brandon, when things beyond his control veered in the direction of a little less than seamless Brandon went way above and beyond to help our clients. Brandon's level of communication was outstanding and our clients were still able to close early!
Brandon is extremely helpful from the very beginning of the process even until after closing. He was able to always answer our questions in a timely manner. Even with sales doubling and the covid19 we got through closing on time. I would highly recommend brandon and his team.
From start to finish, Braden and his team explained each step of the process and I was surprised at how easy it was to get my loan completed and funded. I'll definitely be using Braden and his team for any future purchases and I highly recommend you do as well!
I couldn't have asked for a better experience with Adam and his team! Adam has been extremely thorough, patient, and approachable from day one. I am a first-time homebuyer, and with his help I was able to close on time, with a great rate, and feeling knowledgeable about each step of the process. Thanks for helping me become a confident homeowner!
The team of Marc, Annette, and Jill were phenomenal throughout the process. Communication was excellent. They did what they said they would do on time and accurately. I feel like I made new friends in the process. I would highly recommend them. Job well done! Thank you!
