Conventional Checklist

  • Mortgage statement for all mortgages
  • Homeowners Insurance Policy (for all properties) or the name and phone number of your agent
  • Homeowners Association Dues/Statement (for all properties)
  • Legible copy of Driver’s Licenses or State ID’s or Permanent Resident Alien Card (if Applicable)
  • Legible copy Social Security Cards
  • Most recent 30 days of Pay Stubs – must be legible and have YTD income
  • Most recent 2 years W2’s
  • Most recent Social Security Award Letter & 2 years of supporting 1099s
  • Most recent Pension Award Letter & 2 years of supporting 1099s
  • Most recent 2 years Tax Returns – (All pages & schedules)
    • If you have a business (Partnership or S-Corp) we also need your Last 2 years 1120s Returns (All pages & Schedules)
    • Copy of Business License
  • Best contact phone number to verify employment.
  • Personal Bank Statements – Last 2 Months —REQUIRED ON ALL PURCHASE LOANS
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • 401k / IRA / Investment Account – Last month or last quarter statement
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • Proof of Discharge of Bankruptcy and or Foreclosure Deed
  • Divorce Decree
  • Lease Agreements

FHA Checklist

  • Mortgage statement for all mortgages
  • Homeowners Insurance Policy (for all properties) or Agent Name and Phone #
  • Homeowners Association Dues/Statement (for all properties)
  • Legible copy of Driver’s Licenses or State ID’s or Permanent Resident Alien Card (if Applicable)
  • Legible copy Social Security Cards
  • Most recent 30 days of Pay Stubs – must be legible and have YTD income
  • Most recent 2 years W2’s
  • Most recent Social Security Award Letter & 2 years of supporting 1099s
  • Most recent Pension Award Letter & 2 years of supporting 1099s
  • Most recent 2 years Tax Returns – (All pages & schedules)
    • If you have a business (Partnership or S-Corp) we also need your Last 2 years 1120s Returns (All pages & Schedules)
    • Copy of Business License
  • Best contact phone number to verify employment.
  • Personal Bank Statements – Last 2 Months —REQUIRED ON ALL PURCHASE LOANS
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • 401k / IRA / Investment Account – Last month or last quarter statement
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • Proof of Discharge of Bankruptcy and or Foreclosure Deed
  • Divorce Decree
  • Lease Agreements

VA Checklist

  • Mortgage statement for all mortgages
  • Mortgage Note – Required on ALL VA loans
  • Homeowners Insurance Policy (for all properties) or Agent Name and Phone #
  • Homeowners Association Dues/Statement (for all properties)
  • Legible copy of Driver’s Licenses or State ID’s or Permanent Resident Alien Card (if Applicable)
  • Legible copy Social Security Cards
  • Most recent 30 days of Pay Stubs – must be legible and have YTD income
  • Most recent 2 years W2’s
  • Most recent Social Security Award Letter & 2 years of supporting 1099s or Bank Statements showing receipt of *(WE NEED 2 of these 3 items)
  • Most recent Pension Award Letter & 2 years of supporting 1099s or Bank Statements showing receipt of *(WE NEED 2 of these 3 items)
  • Most recent 2 years Tax Returns – (All pages & schedules)
    • If you have a business (Partnership or S-Corp) we also need your Last 2 years 1120s Returns (All pages & Schedules)
    • Copy of Business License
  • Best contact phone number to verify employment.
  • Personal Bank Statements – Last 2 Months —REQUIRED ON ALL PURCHASE LOANS
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • 401k / IRA / Investment Account – Last month or last quarter statement
    • All pages (meaning if there is 1 of 7 pages we need all 7 pages)
  • Proof of Discharge of Bankruptcy and or Foreclosure Deed
  • Divorce Decree
  • Lease Agreements

VA IRRL Checklist

  • Mortgage statement for all mortgages
  • Mortgage Note – (From Last Closing)
  • Home Owner’s Insurance Policy
  • Home Owner’s Association Statement
  • Legible copy of Driver’s Licenses or State ID’s or Permanent Resident Alien Card (if Applicable)
  • Legible copy Social Security Cards