Document Checklist
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The Following Documents should be brought to the mortgage appointment or pre-approval. (Although the list may seem long. In most cases 2 yrs W2s, 2 recent paystubs, insurance declarations page, and copy of your mortgage statement will suffice.) |
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Documents |
| * Legible sales contract signed by Buyers and Sellers. |
| * Social Security number of all applicants. |
| * Complete address for the past 2 years (including complete name and address of landlords for past 24 months). |
| * Name, address, and all income earned from all employers for past 24 months. |
| * Copies of previous two years W-2 forms. |
| * Copy of 2 most recent year-to-date pay stub. |
| * Current mortgage loan details: account numbers, payment amount, annual RE Taxes, and Insurance premiums. |
| * Name, address, account number, and balance of all deposit accounts, including: checking accounts, savings accounts, stocks, bonds, etc. |
| * Three months most recent statements for deposit accounts, stocks, bonds, etc. |
| If you are on a fixed income: |
| *Yearly awards letter, and 2 months bank statements showing income direct depositted. |
| If you choose to include income from Child Support/Alimony: |
| * Bring copies of court records of cancelled checks showing receipt of payment. |
| If you are self-employed or paid by commission: |
| * Previous two years Federal Income Tax Returns with all schedules and a year-to-date profit and loss statement. |
| *12 months bank statements, all pages ( can be substituted for tax returns on some programs) |
| If you own other properties: |
| * Address of properties and current market value. |
| * Any debt owed on properties; Lender's name, address, account number, monthly payment, and current balance. |
| * Copy of previous two years Federal Income Tax Returns with all schedules. |
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If rented: copy of lease. |
| If you have filed bankruptcy in the last seven years: |
| * Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy. |
