Required Documents for Mortgage House Loans

  • Past 2years W-2 statements.
  • Pay Stubs covering the last (30) thirty days.
  • Most recent three months banks statements.
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts of any Stocks
     or Certificates of Deposits.
  • Copy of the Purchase and Sale Agreement.
  • If you are currently renting….either 12 months canceled rent checks or the name and address
     of your current landlord Photocopies.
  • If divorced… a fully executed divorce decree.
  • Current Mortgage Statement (If Any).
  • For a refinance, a copy of the deed, and most recent tax bill.
  • A letter of explanation for any known credit problems.

For Self Employed borrowers (Employed in sales, Paid by commission, or
Owns Rental Real Estate):

  • Two (2)Years signed personal Tax returns- including all schedules.
  • If self-employed through a corporation, last two years corporate returns as well as a year-
     to-date profit and loss statement and balance sheet.
  • Letter from CPA stating you are self employed and that he / she has prepared your tax for
     the past 2 years.

Required Documents for Commercial & Apartment Loans

  • Rent Roll of Building.
  • Lease agreements of each unit.
  • 2 years financial operating history of building.
  • 2 years of borrowers tax returns.
  • List of buildings borrowers owns.
  • Photos of Building.
  • Real Estate purchase contract (If Any)
  • Current mortgage statement (If Any)
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts.
  • Photocopies of any Stocks or Certificates of Deposits.

Required Documents for Construction & SBA Loans

  • Please contact us or email us for details.