HOW DO I GET STARTED?

Below is a list of the standard paperwork required from a borrower(s) for a loan approval. With the exception of FHA and VA streamline refinances, this information and these documents are generally required across the board. So whether you are looking to get pre-approved for a purchase or just wanting to refinance your current home(s), this is your initial paperwork gathering task list. 

Information

1. Address history for last 2 years
2. Employer information for last 2 years
3. Birthdate(s)
4. Social Security Number(s)
5. Current Marital Status

Income

1. Last 2 years W-2’s and tax returns
2. Most recent 30 days pay stubs.

Assets

1. Most recent 3 months statements for all  banking/investment accounts.
2. Most recent quarterly retirement statement
3. All pages of these statements must be included, even if they contain no information.

Liabilities

1. A copy of your credit report will be run using the information provided to populate all of your reported liabilities.
2. Copy or copies of your most recent mortgage statement(s) for any mortgages currently held.
3. Copy or copies of tax bill(s) and insurance policy premium(s) for any properties owned.

Identification

1. Copy of valid Driver’s License(s)
2. Copy of Social Security Card(s)
3. Additional ID may be required in some cases.

***Additional documentation may be required upon review of initial paperwork submitted***