Paperwork Needed

To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application.

Be prepared to provide:

Buying?

List of Documents Needed to Expedite the Approval & Loan to Purchase

  • Social Security numbers for both you and any co-borrowers.
  • Copies of checking and savings account statements for the past two months.
  • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program) 
  • Recent paycheck stubs.
  • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
  • The name and company address of someone who can verify your employment.
  • If applicable: Employment Authorization Card (Current)/DACA-Work Permit Approval/Previous EAD Card.
  • Residence history for the past two years.
  • If Purchasing a home: Sales contract for the purchase of a new home.
  • Homeowner’s association information with contact information if the property is a condo or part of a homeowner’s association.
  • A copy of the ID/License of everyone applying for the loan
  • If Divorced, a copy of your Divorce Decree & Child Support Order (if any).

Refinancing?

If you are applying to REFINANCE, please provide all of the above plus

  • Mortgage Statement.
  • Copy of Homeowners Insurance Bill.
  • And exclude the Sales Contract.

Purchase

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Short Application

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