Conventional Loans

Conventional Refinance

Income & Assets

• Pay Stubs - 30 days most recent
• W2/1099 - 2 years most recent
• Complete Tax Returns - 2 years most recent
• Bank Statements - checking, savings & money market (last 2 months)
• Rental Income (if using to qualify will need copies of rental agreements)

Liabilities

• Credit card account information, including balance & monthly payment
• Auto loan account information, including balance & monthly payment
• Personal laon information, including balance & monthly payment

General Information

• Photo ID
• Copy of Note **
• Social Security Card
• HUD1 Closing Statement **
• Residence history for past 2 years
• Employment history for past 2 years
• Mortgage statement (most recent copy)
• Credit account  statements (if paying off in escrow)
• Homeowners insurance policy statement
• Property tax bill

** Please refer to copies of loan documents you received when your existing loan closed escrow.

Conventional Purchase Loans

General Information

• Photo ID
• Social Security Card
• Residence history for past 2 years
• Employment history for past 2 years

Income & Assets

• Pay Stubs - 30 days most recent
• W2/1099 - 2 years most recent
• Complete Tax Returns - 2 years most recent
• Bank statements - checking, savings & money markets (last 2 months)
• Rental Income (if using to qualify then will need copies of rental agreements)

Liabilities

• Credit card account information, including balance & monthly payment
• Auto loan account information, including balance & monthly payment
• Personal loan information, including balance & monthly payment

Located home & have accepted an offer

• Copy of purchase contract (fully executed)
• Contact information for all parties
• Previous closing statement (if using net proceeds from refinance or prior sale)