Company NMLS 1777223 |  Personal NMLS 256707  |  CA-DRE 02075839

Loan Checklist

Documents required vary from loan to loan, but generally the following are required, often for up to two years back:

    • Personal identification – current driver’s license for each applicant. Also Green Card(s) if applicable
    • Most recent 30 days of consecutive pay stubs Checklist
    • Most recent two years W-2’s
    • Most recent two years personal tax returns – with all supporting schedules
    • Most recent two years business tax returns for all business in which the applicant(s) owns 25% or more of the company– with all supporting schedules
    • All K-1’s for the two most recent years
    • Most recent two years of 1099’s – for social security, pension, annuities, etc.
    • Most recent Social Security Benefits letter
    • Most recent two consecutive checking, savings and investment account statements – with all pages
    • Employment history for the last two years
    • Residency history for the last two years with name and contact information for the landlord(s)
    • Purchase contract that has been executed by all parties – with all pages and addendums
    • Bankruptcy discharge and possibly the actual filing – with all pages
    • Divorce decree and property settlement agreement – with all pages
    • All relevant documentation in connection with a foreclosure, short sale or Deed in Lieu of Foreclosure
    • Owner’s title insurance policy on subject property (only for refinancing)
    • Prior survey of subject property (only for refinancing)
    • Most recent hazard/windstorm and/or flood insurance declaration page(s) on the subject property (only for refinancing)\Most recent mortgage statement(s) on loan(s) to be paid off on subject property (only for refinancing)

Note: Depending on the loan program you select, more of less documentation may be required.