Document
Checklist
The following are steps
to help assist you with the mortgage process. You will also find a list of
documents you will need to send along with your mortgage application package.
Organize Your
Documents
-
Complete
and sign the residential loan, or other loan application
-
Attach loan
information sheet, credit authorization and fair lending
notice.
-
If you make any
mistakes cross it out, do not use without.
-
Provide a copy of
Citizenship, your green card (front and back) if applicable
or a copy of your H-1 or L-1 visa.
-
Enclose all documents
needed (list of documents below)
Income
verification Documents needed
-
If
you are a salary employee provide w-2's for the previous 2
years and 1 month of pay stubs.
-
If you
are self-employed provide the last
two years individual signed tax returns complete with all
schedules and appropriate 1099/1040 and/or W-2.
-
Last
two years corporate and/or partnership tax returns complete
with all schedules and appropriate K-1 forms.
-
Current
year-to-date profit and loss statement and balance sheet for
the business.
-
If
you are commission based provide two
years individual, signed tax returns complete with all
schedules. One
month’s current pay stub.
Any
additional information you may provide to expedite your application
such as:
-
If you
own rental property, provide rental agreements and tax returns
for the previous two years including schedules.
-
Earn interest
and/or dividends
-
For a note
receivable, copy of the note and agreement securing the note.
-
If you have filed bankruptcy,
provide the Discharge Notice, Filing and Schedule of Creditors.
-
If
applicable, provide alimony, child support, or
Divorce decree and property settlement agreement.
Copy of the most recent twelve months canceled checks or bank
statements showing receipt of payments.
-
Year-end
mortgage statement and canceled checks for each month since
the statement was issued
-
If you rent or
have rented -
Name and address of your Landlord (Last two years)
Verification
of Closing Funds
-
Original bank
statements for the past three months
-
Supplement
bank statements if the last balance reported is 45 days or
older
-
The most
recent three-month statements for each of the following
accounts; savings, checking and/or money market, retirement and
brokerage accounts
If you have any more
questions about the mortgage process contact us.
Providing mortgages for ALL of South Florida. |
