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Here Is What We Need From You -“Loan Document Checklist”
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The following items may be critical to your loan being completed in a timely manner. Please provide within 24 hours of submitting your preapproval request them if they apply to you.
Tip – When providing documents please provide ALL pages of your documents:
• Last 30 Days paycheck stubs for all borrowers
• Last 2 years W-2’s for all borrowers
• Last 2 years Tax Returns for all borrowers. Including ALL Schedules/ALL pages • Last 2 months bank statements (savings and checking) Including ALL pages • Copy of Drivers License for all borrowers (front only is ok)
• Copy of Purchase Agreement. (once received)
• Copy of current homeowner declarations or Insurance Agent’s Contact info
If self-employed:
• Two (2) years most recent 1099, K-1’s forms, if applicable.
• Two (2) years most recent corporate/partnership tax returns (all pages/all
schedules). If you own more than 25% of any business, if applicable.
• Copy of current profit & loss statement and balance sheet - year to date
for current year. (Signed and Dated by tax preparer, if applicable)
Documents required for specific situations:
• Copy of Divorce decree, including all pages (if applicable)
• Copy of Bankruptcy discharge papers (if applicable)
• Explanation Letter (for late payments, collections, etc.)
• Copy of all Pension Statements, “Award” Letter, etc. (if applicable)
• Copy of Social Security Annual “Award” Letter, Statement, etc. (if applicable) • Brief explanation for change in employment/income over 30 days (if applicable) • VA Loans: Provide an original certificate of eligibility, a copy of DD214
discharge paper, and a name and address of the nearest living relative