Document Checklist

Helpful tips to ensure a smooth loan process:

All documents can be uploaded through our Secure Inbox

• Send copies or PDF’s of actual statements and documents rather than screenshots, overview, or photos.
• Numbered pages require ALL numbered pages on statements, even if blank.
• Tax returns require all federal schedules and please sign and date page 2 of your 1040s if not already.
• Uploading all at once is much easier to execute the process.

Documents Needed For Preapproval

• Complete loan application
• Last 2 years W2’s for all borrowers
• Last 2 years 1040 federal tax returns (all schedules)
• Most recent pay-stubs covering 30 days, all borrowers
• 2 months most recent personal bank statements, all pages(please no screenshots)
• Most recent quarterly or monthly asset statement(s) such as 401k, investments, checking/savings, etc. – all pages (if showing on the loan application)

Additional Documents Likely Needed For Full Loan Approval

• Homeowner’s insurance dec. page and most recent mortgage statement if applicable.
• Copy of identification for each borrower (driver’s license or passport, etc.)
• If applicable: Retirement/Pension/SS income: Last 2 years 1099s. Award letter for current year SS income and/or continuance letter for pension/retirement confirming terms and timelines of future wages.
• If applicable: Rental properties: Address, value, loan balance, payment break-down and if taxes/insurance included. Please send most recent mortgage, property tax, insurance, and HOA statement as applicable for each property.
• Debit/Credit card information for ordering appraisal (collected during the loan process after we have sent you loan disclosures)

For VA Financing:

• Copy of your DD214 if separated from the military (see below for instructions to request if you do not have a copy)
• Completed Request for COE form 26-1880
• Statement of service from your commanding officer if you are active duty
• Your Certificate of Eligibility (COE). Your Loan Consultant can help you get this.