Documents needed for Pre-Approval / Purchase / Refinance
- ALL PAGES of the most recent 2 months? statements from Bank Accounts (checking, savings, CDs, Credit Unions, etc?) and any other ?liquid? accounts (e.g. Stock and Mutual funds)
- ALL PAGES of the most recent 2 months? statements from Retirement Accounts (401K, IRA)
- Pay stubs covering the most recent 4 weeks of employment
- The End-of-Year pay stubs from previous two years (last ones rec?d in Dec of those years)?if available. Needed to document Bonus income.
- W2s for previous 2 years
- A recent mortgage statement
- Copy of Homeowner?s Insurance policy declaration page, (OR Name and phone # of Insurance Agent)
- Name and phone # of landlord or apartment manager (if 1st-time homebuyer)
- Copy of Green Card (front and back) if NOT U.S. Citizens
- Copy of H-1 if applicable
- Copy of Driver?s Licenses for all buyers
If you have rental properties:
- Rental agreements
- Recent mortgage statements for these properties
- Complete Federal Tax Returns for previous 2 years, with ALL schedules
If? Self-employed or commissioned:
- Complete Personal Federal Tax Returns for , with ALL schedules
- A signed YTD P&L statement
If? income is income derived from corporate ownership or a partnership
- Complete Corporate Federal Tax Returns for previous 2 years, with ALL schedules
- Complete Federal Tax Returns (corporate or partnership)