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.
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.
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.
Your personal and financial information will be kept in strict confidence. Delmar Mortgage adheres to standardized privacy policies; we do not share your information with anyone not directly involved in the processing, underwriting, or servicing of your loan. Delmar Mortgage does not rent, share, or distribute your information to any third party and we do not endorse anyone to market to you on our behalf. All communications with you about your loan will include all of our contact information including logo, address and phone number. If you have any concerns whatsoever with your information, please contact us immediately. We are here to help you every step of the way.