Depending on the type of loan you are applying for, you may need to bring in additional documentation in order for your your loan to close. If you verify your income  with the full documentation  (as listed below)you may be get your loans with lower rates. If you 

You will only need to provide those documents which pertain to your individual situation. Keep in mind this is a general list only, and you may be required to provide additional documentation before your loan can fund, and you may not need some of the items listed below.

You will only need to provide items from the list below that pertain to your specific situation:

Necessary documentation for Full Doc Loan

• Most recent pay stubs on all employment for the last 30 days

• The last two (2) years complete tax returns

• The last two (2) years W-2 and 1099 forms

• Award letters for social security or disability income (if applicable)

• Award letters from pension or retirement income (if applicable)

• Mortgage statements on all open real estate loans (including rentals)

• Rental agreements (if you currently have tenants renting from you)

• Checking/Savings accounts and other assets including bank addresses, account numbers, and if available 3 months most recent bank statements.

• Complete bankruptcy papers (if applicable) Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy 

• Complete divorce papers or separation agreements (if applicable)

• Name and address of current landlord (if applicable - purchases only)

• Letter of explanation for any derogatory credit

• Cash out letter (if you are obtaining a loan with extra cash out, explain what you intend to use the cash for)

• Gift letter and evidence of funds (purchases only)

• If you are NOT a US citizen, we will need a copy of your green card (front & back)

• If you are NOT a permanent resident of the US, we will need a copy of your H-1 or L-1 visa.
If self-employed you will also need:
• A year-to-date profit and loss statement
• K-1 forms (if applicable)
• Partnership and/or corporate tax returns (if applicable)