Required Documentation

Required Documentation for Purchasing/Refinancing Loans

1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3. If you own rental property, please provide rental agreements and two years tax returns.
4. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.

Required Documentation for Credit Lines/Home Equity Loans

1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3. If you own rental property, please provide rental agreements and two years tax returns.
4. Provide a copy of the note on your 1st mortgage. This will normally be found in your closing loan documents.