Residential Lending

Standard Checklist Items

• 2 Most recent paystubs
• Last 2 years W-2s
• Most recent mortgage statement for all financed properties (If applicable)
• Copy of Homeowner's Insurance Declaration Page
• Copy of Driver's License
• If Non-US Citizen, need copy of Green Card front and back
• Copy of Earnest Money Deposit (EAD) front and back
• Name, phone # and e-mail for title company 
• Purchase Contract fully executed (signed) by buyer and seller (If applicable)

If Self Employed, we'll need the following:

• Most recent 2 years personal tax returns, all pages
• Most recent 2 years business tax returns, all pages (If business files separately)
• Most recent three (3) months business bank statements 
• Most recent three (3) months P&L signed and dated by borrower 

Additional docs for other scenarios:

• Most recent 2 years personal tax returns, all pages if rental income is needed
• Copy of Lease agreements for any properties you are using rental income for
•  Copy of Monthly HOA bill for condos and PUD
•  Copy of Master Insurance policy for condos and PUD, along with correct name, phone # and email for HOA and property manager
• Closing Disclosure for any recently sold homes
• Divorce Decree and any separation agreements if applicable