Loan Documentation List

Information Needed From W2 Borrowers

  • All pages of tax returns for previous two years and all W2’s for those years.
  • Most recent paystubs covering a 30 day period.
  • Most recent statements for any checking, savings, and retirement accounts (2 consecutive months and all pages even if the last page is blank).  Any large deposits may need to be documented.
  • Home owners insurance contact information or Declarations page.
  • HUD 1 settlement statement from current loan and most recent mortgage statement (Refinance Only).
  • Purchase contract on new home (if applicable) copy of cashed earnest money check – front and back.
  • Contract and HUD 1 from sale of current home (if applicable).
  • Divorce decree or separation agreement (if applicable).
  • Certificate of Occupancy (New Construction only).
  • Copy of photo ID.

Information Needed From Self-Employed Borrowers

  • All pages of tax returns for the previous two years, and all 1099s for those years.
  • Most recent statements for any checking, savings, and retirement accounts (2 consecutive months and all pages even if the last page is blank).
  • Home owners Insurance contact information or Declarations page.
  • HUD 1 settlement statement from current loan & most recent mortgage statement (Refinance Only).
  • Purchase contract on new home (if applicable) copy of cashed earnest money check – front and back.
  • Contract and HUD 1 from sale of current home (if applicable)
  • Divorce decree or separation agreement (if applicable).
  • Certificate of Occupancy (New Construction only).
  • Copy of photo ID.

Information Needed From Retired Borrowers

  • 2014 & 2013 tax returns (all pages)
  • Current year Awards letter (SSI)
  • Most recent statement for pension disbursement
    3 consecutive months of bank statements showing deposits of SSI, pension and/or disability
  • Most recent statements for all other asset accounts (ie, retirement, savings accounts) all pages (even if the last page is blank)
  • Home owners insurance contact information or Declarations page.
  • HUD 1 settlement statement from current loan & most recent mortgage statement (Refinance Only)
  • Purchase contract on new home (if applicable) copy of cashed earnest money check – front and back
    Contract and HUD 1 from sale of current home (if applicable)
  • Divorce decree or separation agreement (if applicable)
  • Certificate of Occupancy (New Construction only)
  • Copy of photo ID

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