Suggested Documents Needed for the Application

Refinance

Getting your documents ready ahead of time makes the application and approval process go smoother. We will let you know exactly what documentation you need after your loan has been reviewed by underwriting, but here is a list of suggested documents we may ask you to provide.

Present Property (For current homeowners only

1. Copy of deed or title showing ownership of home.
2. Information on property taxes and insurance costs.

Employment & Income

1. Address for present and past employers going back two complete years.
2. Last 2 years W-2’s or 1099’s.
3. Paystubs covering the last 60 days.
4. If self-employed, two years tax returns (corporate & individual) and year-to-date P&L.
5. Diploma or transcript if full-time student during past two years.
6. Leases for current rental properties.
7. Divorce decree and evidence of 12 months payment for child support/alimony (if using this income to qualify).
8. Legal Photo Identification.
9. Valid Social Security Number or Tax Identification Number.

Assets & Liabilities

1. Statements covering transactions for the past two months for all bank/stock accounts (one quarterly statement for stocks/bonds/IRAs).
2. Name and address for any private mortgages or loans outstanding.
3. Account information (balances/monthly payments) for all credit cards, auto loans, mortgages and other loans.
4. Copy of ratified divorce decree or separation statement for alimony or child support obligation.

Reverse Mortgage

Getting your documents ready ahead of time makes the application and approval process go smoother. We will let you know exactly what documentation you need after your loan has been reviewed by underwriting, but here is a list of suggested documents we may ask you to provide.

Mandatory Documents

1. HECM Counseling Certificate.
2. Photo ID – Driver's License or State ID or Passport.
3. Social Security Card or Medicare Card.
4. Homeowner's Insurance Policy.

These Documents May Be Needed:

1. Most recent mortgage/equity line loan statement.
2. Property tax bill – depending on the lender.
3. Power of Attorney/copy of trust agreement/guardianship.
4. Death Certificate (if deceased spouse is on the deed).
5. Marriage Certificate/Birth Certificate.
6. Copy of your survey of the home.
7. If the property is held in a trust – a copy of the trust agreement.
8. Legal Photo Identification.