To apply for a loan, you will have to provide your lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:
Two most recent pay stubs equal to 30 days of income.
Note: If you started with a new company this year, also provide the last pay stub from your previous employer showing year-to-date earnings.
W-2s for every job that you had during the past two years.
Personal Tax Return, form 1040, for the past two years, all schedules and statements.
If you are self-employed, please provide a year-to-date profit and loss and business returns for the most recent two years (1120, 1120s) and Schedule K-1s, if applicable.
The most recent two months bank statements for all accounts listed on your loan application - checking, savings, stock, retirement, and any other asset accounts.
Note: All pages of each statement are required, even if the pages are blank.
Please provide the following for each property that you own:
insurance declaration page (shows annual premium),
HOA bill, if applicable,
and current tax bill.
If the property is a rental, provide rental agreements.
If you have a solar lease on the subject property, please provide a copy of the lease.
If your property is held in a Trust, please provide a copy of the Trust, or we can send you a Trust Cert to complete upon request.
If you have declared bankruptcy in the last seven years, please provide a complete copy of your bankruptcy papers with the discharge pages.
If you are divorced or are paying/receiving alimony or child support, please provide a complete copy of your divorce decree, marriage settlement agreement, and any court papers documenting the actual payments required to be made or received.
Copy of ONE Government Issued Photo ID: State Driver License, Military ID, State ID, Passport, etc.
We will provide you with a secure link to upload your files directly to our system.