TIP – Derek will send you a personalized checklist once he knows your unique situation.
The following list of items have been compiled for your convenience and will give you a very good idea of what you will need to provide.
Please either bring these items with you for your initial consultation or email them to Derek in order to expedite the processing of your mortgage loan.
Additional Documents for Home Purchase Loans
*** BEFORE YOU DO ANYTHING, go to this website and OPT OUT (5 years or permanently is up to you). What this will do is (hopefully) cut down on the unsolicited sales calls you will get when the credit bureaus sell your information. I do my best to hide all non essential information when I run your credit, but the bureaus have so much info on you already, they sell it to other mortgage companies, insurance companies, home warranty companies, etc. It is ridiculously annoying. It takes a week to go through, so do it ASAP. Only takes a couple minutes.
https://www.optoutprescreen.com/
The following list of items have been compiled for your convenience and will give you a very good idea of what you will need to provide.
Please either bring these items with you for your initial consultation or email them to Derek in order to expedite the processing of your mortgage loan.
- Your residence addresses for the past two years
- Clear copy or original of borrower(s) driver license and social security card(s) (ss cards needed for FHA and VA loans)
- Names, addresses, phone numbers and contact person for all employers for the last two years
- W-2 Forms for all employers for the last two years
- All 1099’s for the last 2 years
- Two years personal tax returns – Federal 1040’s
- Pay stubs covering the most recent 30 day period (all current jobs)
- Two most recent months’ bank statements (all accounts, all pages)
- Statement from retirement accounts such as 401(k), IRA, etc. (most recent monthly or quarterly statements, all pages)
- Evidence of alimony or child support, a copy of the court order and ages of child(ren) - if applicable
- Copy of divorce decree and separation agreement - if applicable
- Current Social security and other benefit award letters (pensions) if being used toward qualifying income
- Documentation relating to any special issues such as bankruptcy, foreclosures or credit problems
- Most recent mortgage statement(s) for ALL properties owned
- Most recent property tax bill and most recent homeowner’s insurance bill for ALL properties owned
- If VA loan, Copy of DD 214 and Certificate of Eligibility (which you can get here in 5 min. https://www.ebenefits.va.gov/ebenefits/about/feature?feature=cert-of-eligibility-home-loan )
Additional Documents for Home Purchase Loans
- Complete copy of the purchase contract signed by both buyers and sellers – may request from Realtor
- Copy of earnest money check you sent to escrow - we can request from escrow
- Copy of that check clearing your account with a month to date statement from that account
- Your Realtor name and contact information
- Contact information for homeowners insurance agent
*** BEFORE YOU DO ANYTHING, go to this website and OPT OUT (5 years or permanently is up to you). What this will do is (hopefully) cut down on the unsolicited sales calls you will get when the credit bureaus sell your information. I do my best to hide all non essential information when I run your credit, but the bureaus have so much info on you already, they sell it to other mortgage companies, insurance companies, home warranty companies, etc. It is ridiculously annoying. It takes a week to go through, so do it ASAP. Only takes a couple minutes.
https://www.optoutprescreen.com/