It goes without saying that you want an answer on your mortgage loan applications at the earliest possible moment.
And we don't keep you waiting. To make sure you get the fastest possible service, be sure to bring the necessary documentation when you meet with your mortgage professional. Here's what to bring:
- Your street address, or addresses, for the past two years
- If you rent: your landlord's name, address and phone number
- If you own: your mortgage lender's name and your account number
- Name, address and phone number for any employer you've worked for in the past two years
- Your gross monthly salary or other income*
- Your year-to-date pay stub
- Your W2 forms for the past two years
- Signed tax returns if you worked on commission or if you wish to use interest, dividend or bonus income to qualify for your loan
- If you're self-employed, signed tax returns for the past two years and current Profit & Loss statement and Balance Sheet
- If you're not currently employed, bring proof of other sources of income. (Awards letter or 1099 for two years)
Deposit, Retirement and Equities Account Information
- Name of financial institution, account number and balance on all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts – including statements for the past two months.
Real Estate Information
- Address, market value and loan information on all real estate you own
- Copies of leases on any other rental property you own
- Be prepared to make a payment by check for the credit report.
- Please bring a government-issued photo ID (i.e. driver's license, state-issues non-driver's ID, US military ID)
- If you're applying for a VA Loan, please bring your military discharge papers (Form DD214) and Certificate of Elegibility