This is a List of the Typical Items needed from Borrower(s) - at the Beginning of the Loan Process:
(NOTE: once you receive your Loan Disclosures, please PRINT Out
ALL pages of the Disclosure package and sign and return copies of ALL pages

COPIES of :

On Purchases or Refinances***:

1. Last 2 year’s W-2
2. Last 30 Days: (year-to-date) Pay Stubs
3. Last 3 month’s Asset Statements
   (All pages: Checking, Savings, Money market, retirement*)
4. Last 2 year complete (signed) Tax Returns (all schedules)
5. Name / Phone # of Homeowner’s agent
   On accounts with Quarterly reporting – just provide Copy of last Quarter’s statement

On Refinances:

1. Last (property) Tax bill
2. Survey
3. Copy of current mortgage note (Deed of Trust)
4. Copy of last mortgage statement (from current lender)

*** SELF-Employed Borrowers - re: # 1 & # 2:
Last 2 years' Tax Returns (ALL schedules); current ytd P & L; Last 3 month's business and personal bank statements.

On Investment property mortgages:

1. Copies of all leases, on all properties owned
2. Note: additional requirements on investment property loans (you will be advised by your Loan Office and/or Loan Processor)