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Loan Documentation

Here is a list of documents that you might be asked for:

If You Receive A Salary

  • Last year’s W-2 forms for each borrower
  • Current pay stubs for each applicant showing time period covered and year-to-date earnings
  • Bank statements for each account for the last two months identifying institution, account owner and account number
  • Gift funds, if applicable, require that the giver provide a copy of a bank statement or other proof that the funds are available

Self Employed

  • Federal tax forms for the past two years, including all schedules and attachments
  • Year-to-date Profit and Loss statement
  • Bank statements for each account for the last two months identifying institution, account owner and account number

Own Residential Rental Property?

  • Lease agreements
  • 1040 forms for the past two years

Purchase Transaction?

  • A fully executed (signed by both parties) copy of the sales contract

Divorced?

  • Copies of divorce decrees
  • Documentation to support additional income, such as child support and alimony

Bankruptcy or Credit Problems?

  • Complete copy of the bankruptcy proceedings, including all schedules and a letter explaining the circumstances
  • If you have any judgments against you, provide a copy of recorded satisfaction of judgment and copies of documents describing any lawsuits with which you are currently involved

FHA and VA Loans

  • Copy of your Drivers License and your Social Security card. For a VA loan, certificate of eligibility
Disclaimer

SecondMortgageLoans.com is a online mortgage guide service. We are not a Lender or Broker and make no offer to lend money, the information you obtain on this site is for educational purposes only. This site contains links to other sites. These include links to individual lender/broker sites that offer consumer and business loans, as well as links to other third party sites that offer credit reports, property valuation information, insurance quotes, etc. SecondMortgageLoans.com is not responsible for the privacy practices or the content of such Web sites. Rates, Products and Terms are subject to change. All loan programs are not available in every state, contact a licensed mortgage lender for all loan programs that are available in your state . Not every applicant qualifies for every loan program and all applications must meet underwriting guidelines.