Speed Up Your Mortgage Process
During the application process, we will collect several documents from you. To ensure a speedy and easy process, please prepare to scan, fax or deliver the following documents:
Copy of purchase contract, addendaCopy of Earnest Money Check and Due Diligence check and show clearing bank
PURCHASE Documents Needed
Most recent month of paystubsMost recent 2 years W-2’s Most recent two years of Federal 1040 tax returns (all pages and schedules) MAY be needed For self-employed , real estate income, (If applicable) most recent two years of Federal 1040 personal and business (Corporate, Partnership, LLC , K1's, 1099, etc.) for the last two yearsMost recent 2 months bank checking/savings statements (all pages) - be prepared to source and verify any large, non-payroll deposits on bank statementsCopies of last 2 months stock and/or retirement statement (all pages), if applicable - sourceA copy of your driver's licenseName and phone of insurance agent- if you have a copy of the declarations page, please send that as well if possiblePhone number for HR department where you workCopy of H1B, I797 /Green Card/temp card EAD/orig Visa /and passport, if applicableDocument amount of homeowner's association dues that you pay on all properties Separated/Divorced: contact us for documentation requirementsMost recent monthly mortgage statement for any properties you own. If you do not have a mortgage, please provide the address, insurance infor Dec pages, and tax bills for out triangle area propertiesCopy of equity line agreement for any equity lines outstanding Name of sellers Title Insurance Policy / (or on refinance your title ins co) Company Name if desire update of current policyGift Funds Call for documentation requirements
Name of title insurance company (and possible policy #) + HUD /CD settlement statement from your last closing (title company appears on 2nd page of HUD)If you have an equity line or 2nd mortgage and are keeping it - copy of promissory note - and deed of trust
Please note that every mortgage and borrower is unique. OTHER items could be needed depending on your particular situation.
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