Wondering Where to Start? Download The Complete Guide to Financing Your Home.


What to Bring for your Mortgage Application:

ALL BORROWERS
o Identification to comply with the Patriot Act (drivers license and Social Security card)
o Sales Contract on Purchase Transaction (purchase)
o Sales Contract on Current Residence (purchase)
o Homeowners Insurance Declaration Page (refinance)
o Mortgage Statement (refinance)
o Cash out Letter (refinance)

SALARIED BORROWER
o One month of Pay Stubs
o 2 years W-2s
o 2 months bank statements (including 60 day period) (all accounts/all pages/printouts must contain borrowers name, bank name, and account number)

COMMISSIONED BORROWER
o One month of Pay Stubs
o 2 years W-2s
o 2 months bank statements (including 60 day period) (all accounts/all pages/printouts must contain borrowers name, bank name, and account number)
o 2 years Federal Tax Returns (all pages/schedules/signed)

SELF-EMPLOYED BORROWER
o 2 years Federal Tax Returns (all pages/schedules/signed)
o 2 months bank statements (including 60 day period) (all accounts/all pages/printouts must contain borrowers name, bank name, and account number)
o CPA Letter – Length of time as borrower’s CPA, number of years in business, percentage of ownership