Get Pre-Qualified

What Documents Do You Need?

Gathering the required financials to apply for a mortgage loan can be a cumbersome process. Below is a list of common documents required to get the process started. Providing a complete set of financial documents will ensure your loan application is processed smoothly and your application is approved quickly.

For a refinance, you will need:

  • Last 2 pay stubs evidencing 30 days income
  • Last 2 years of W2s
  • Last 2 months of bank statements with all pages even if they are blank
  • Most recent mortgage statement
  • Homeowner’s insurance declaration page

For a purchase, you will need:

  • Last 2 pay stubs evidencing 30 days income
  • Last 2 years of W2s
  • Last 2 months of bank statements with all pages even if they are blank
  • Fully executed purchase contract

If self-employed, please provide:

  • Last 2 years personal tax returns with all pages and schedules
  • Last 2 years business tax returns with all pages and schedules

If you own more than one, property provide:

  • Most recent mortgage statement for each property, if applicable
  • Homeowner’s insurance declaration page for each property
  • Lease agreement for each property

Helpful tips to avoid delays:

  • Do not white-out or cross out any information or alter the documents in any way.
  • Provide all pages of the bank statement even though it may be an advertisement or blank.
  • Remember to address any address discrepancies or large deposits in your bank account.

 

If you have any questions, feel free to contact us at 855 549 7001

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