A big part of my job is to make the home loan process as easy as possible. I will only ask for the documents that are required. Once I get your documents, there is a review process that may lead to the need for additional documents. Each loan program has different requirements. If the loan is a purchase, there are different documents required than for a refinance.

If you are self-employed the checklist of required documents change. After discussing your home loan needs, I will provide you with an accurate checklist of the documents required. 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!