A big part of my job is to make the process as easy as I can and I try to only ask for the documents that are needed. Once we get your documents, there is a review process that can lead to the need for additional documents. Each loan program has some different documentation requirements. If the loan is a purchase, there are different documents than a refinance.

Then if you are self-employed the checklist changes again. Let’s talk about your loan needs and get you the most accurate checklist of documents needed to close a home loan for you! My processor and I will review your loan file BEFORE it goes to an underwriter to ensure the smoothest approval.

The most common documents that we need a copy of are:

• Photo ID
• Most recent 30 days worth of paystubs
• Most recent tax years w-2
• The last two years for Personal and Business Tax Returns
• Source of the Earnest Money Deposit-  This would be the copy of the Earnest Money Check along with a copy of the bank statement from where the check cleared
• Source of the Down Payment-  Most recent and complete statement to show where those funds would come from
• Name and number of your Home Owners Insurance Company-  I work with the best agents in town and I can help get you a free homeowners insurance quote!

Call 435-Ask-Here or Apply Online Today!