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Apply for credit!

Initial Documentation For a Home Purchase

 

You can help ensure a smooth loan transaction by having these applicable documents ready to submit.

 

All Borrowers:

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• W-2’s for the previous two years • Paycheck stubs for the last 30 days (most current)

• Employment history for the last two years—be sure to address any gaps of employment

• Checking and saving account statements for last 2 months, all pages; all nonpayroll deposits must be documented—please make a copy of each check before you deposit it

• Statement for most recent 2 months or 1 quarter of 401(k)s, stocks and other investments, including terms and conditions for withdrawal

• Signed tax returns from the last 2 years, all pages/schedules

• Residency history over the last two years, with name, phone number, address and account number of landlord or mortgage company

• Photo identification (valid Driver’s License or Passport) for applicant and coapplicant

• Check or credit card information for appraisal fee

 

 

Additional Documents Needed For Self-Employed Borrowers:

 

• Copies of business tax returns for most recent 2 years (with all schedules)

• YTD profit & loss statement and balance sheet

• Copy of business license or CPA contact information 1099s or K1 forms

 

 

Documents Needed For VA Loans:

 

• Veteran DD214 or Veteran Reservists DD256. Additional items may be requested during the loan underwriting phase if more information is required to guarantee your loan

• Original COE (Certificate of Eligibility), if previously provided by VA

 

Common Documents Which May Be Required If Applicable:

 

• For Refinances: Copy of Note, Deed of Trust or Mortgage, and homeowners insurance information

• Previous Bankruptcy: Copies of Petition and Discharge, including supporting schedules A—K

• Divorce Decree and Property Settlement, if applicable

• Relocation Agreement: If relocation move is financed by employer, i.e. buyout agreement plus documentation outlining company paid closing costs benefits

• Documentation supporting moneys received from social security/retirement/disability, i.e. copies of direct deposit bank statements, awards letter, evidence income will continue for at least 3 years

• Rental property: Copies of leases, plus mortgage statement, homeowners insurance and property tax statements

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FACTORY

ESP - ENG: (689) 677-2977

Office hours:
Monday - Friday

9:00 am - 16:00pm

Saturdays by appointment only

 

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