Paperwork for Purchase or refinance

To apply for a purchase loan or rate and term/cash-out refinance, you will have to provide the lender with detailed documentation of your financial picture. The lender will request a credit report from a credit agency to review your credit history and will verify the information provided in your loan application. Be prepared to provide the following for all borrowers who will be on the loan:

  • Loan application
  • Most recent pay stubs on all employment for the last 30 days
  • The last two (2) years complete tax returns (Include all schedules)
  • The last two (2) years W-2 and 1099 forms
  • 2 months most recent bank statements for checking/Savings accounts and other assets i.e. 401K, IRA etc. (These must be complete statements not screen shots, include all pages even if blank)
  • Award letters for social security or disability income (if applicable)
  • Award letters from pension or retirement income (if applicable)
  • Award letter for VA disability income (if applicable)
  • Mortgage statements on all open real estate loans (including rentals)
  • Rental agreements (if you currently have tenants renting from you)
  • Complete bankruptcy papers (if applicable)
  • Complete divorce decree (if applicable)
  • Clear copies of your drivers license and social security card
  • Most recent mortgage statement (refinance only)

If self-employed you will also need:

  • Year-to-date profit and loss statement
  • K-1 forms (if applicable)
  • Partnership and/or corporate tax returns (if applicable)

Paperwork For FHA/VA Streamline Refinance

To apply for an FHA streamline or VA Interest Rate Reduction Refinance Loan (IRRRL) the lender bases the loan approval on the existing loan. The lender will request a credit report from a credit agency to review your mortgage payment history/credit scores and will verify the information provided in your loan application. Be prepared to provide the following for all borrowers who will be on the loan:

  • Loan application
  • Complete bankruptcy papers (if applicable)
  • Complete divorce decree (if applicable)
  • Clear copies of your drivers license and social security card
  • Most recent mortgage statement

Keep in mind this is a general list only, and you may be required to provide additional documentation before your loan can fund. If you are NOT a US citizen we will need a copy of your green card (front & back) If you are NOT a permanent resident of the US, we will need a copy of your H-1 or L-1 visa.

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Today's Rates*

TermRateAPR
30 Yr Fxd3.090%3.300%
30 Yr Fxd FHA3.080%3.780%
15 Yr Fxd2.550%2.770%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

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