Document Checklist

30 days of pay stubs, and/or any other form of regular income (Social Security, Pension, Annuity, etc.).

Two months of actual bank statements.  We are going to get pretty detailed here because underwriters are extremely strict when it comes to bank statements.

• Statements must be properly formatted to show ALL pages, the bank’s logo, your full name and address, and full account number(s).\
• If there are any non-payroll deposits over $1,000, please provide copies of the actual checks being deposited. Most banks give you the ability to click on the deposit in question to see the details. We will also need you to provide an explanation so we know where the money came from (if not self-explanatory).
• If there are large transfers in from other accounts you own, we will need to see the statements from those accounts as well.

Most recent 401(k), IRA, brokerage, mutual funds, stock accounts, etc.  As with bank statements, we will need to see ALL pages of these statements.

All that were issued in the past two (2) years. We do NOT need 1099s from Interest Income.

All schedules from the most recent two (2) years filed.  If you don’t have these on your computer, your tax preparer should be able to email these files to you and/or me directly with your permission.

• If you filed an extension on your tax return, please provide that documentation along with the canceled check showing you paid your estimated taxes to the government (if applicable).

Copy of your homeowners insurance declaration page. This will show your annual premium and when the current policy is set to expire. If you can’t find this, please send the contact information for your insurance agent and my team will handle the rest.  This applies to Refinance transactions.

Most recent monthly mortgage statement(s) for ALL loans that are tied to ALL properties you own. This applies to Refinance transactions.

• If self-employed (own more than 25% of any company), Corporate Tax Returns from the most recent two (2) years filed.
• For VA loans, DD-214 (Discharge Papers) and your Certificate of Eligibility.
• If property is currently held in a Trust, complete copy of executed Trust Agreement, including signature page.
• Full Bankruptcy schedule along with the Discharge papers.
• Complete copy of your Divorce Decree and any Maintenance and/or Child Support Agreements.
• If recently graduated (within the past 2 years), a copy of your diploma or transcripts.
• If recently sold a property (within the past 6 months), a copy of the signed Closing Disclosure Statement.