Our company's fully automated loan application portal allowing our clients to safely and securely apply online and upload all documentation needed from their own personal loan dashboard can be accessed under the Loan Center menu.

Documents Required from All Loan Applicants

• Most recent 30-day pay stubs/pension awards letter/social security award letter
• W2's and/or 1099s for the last two years
• Complete federal tax returns for the most recent two years (no state returns required) and copies of extensions (If applicable)
• Signed copy of Social Security card/Green card and/or Visa. (front and back – current/not expired)
• Copy of current driver license(s)
• Most recent 2 months of checking, savings, and retirement account statements, which must include your name, institution name and account number (all pages of each statement)
• Source of any deposit over normal direct payroll/pension/social security. Copy of asset statement for the source from which the funds were transferred and/or copy of the documentation showing the source of the deposit
• Copy of the earnest deposit checks you gave the builder and the bank statements showing these funds clearing your account (once this occurs)
• Current and previous landlord’s name, address, and phone # (if applicable) covering the most recent 24-month history
• Most recent mortgage payment statement to verify tax and insurance escrow (if applicable) or most recent copy of your homeowner’s insurance and property tax bills

Documents Required from Self-Employed Buyers

• Business tax returns for the most recent two years (all pages and schedules. Sign page two) if you own 25% or more interest in the company
• K1 for the most recent two years
• If extensions have been filed, copies of extensions and a YTD P&L Balance Sheet signed by a CPA

Documents Required for VA Loans

• DD-214 (request your DD-214)
• Certificate of Eligibility
• Statement of Service
• Alive and Well Letter
• Nearest living relative’s name, address, and phone number
• Letter on any child care expenses signed and dated

Additional Documents Required (If Applicable)

• Homeowner's association information with contact information if property is a condo or part of a homeowner's association and/or current HOA Payment Coupons 
• The name and address of someone who can verify your employment
• Residence history for the past two years
• Sales contract for the purchase of a new home
• Copy of applicable Citizenship Documents
• Copy of Divorce Decree and Final Judgment (if required by state). All pages, including property settlement agreement and child support orders
• Separation Agreement (if separating joint assets/liabilities). All pages.
• Copy of bankruptcy papers and discharge (all schedules)
• Letter of explanation for derogatory accounts, miscellaneous inquiries, name and address checks (supporting documentation if applicable)
• Foreclosure/Short Sale Documentation
• Lease agreements, deposit/security check, and appraisal requirements to establish current home equity (rental income is utilized)
• Copy of any specific Power of Attorney and/or trust. POA outline to be provided by closing title company, original to be submitted to title prior to closing.