Documents Needed for Full Loan Approval

This is a list of the documentation that most loans require for final loan approval.

Each loan is unique and may require additional information when life events such a divorce, bankruptcy, foreclosure or short sale have occurred.

Most recent 2 Years W-2’s and/or 1099’s for all borrowers
Most recent 2 Years Federal Tax Returns with all schedules for all borrowers
(Down Payment Assistance programs require most recent THREE Years Tax returns and W-2’s)
Most recent 30 days paystubs for all borrowers
If you are receiving Social Security, retirement or VA benefits, please provide a copy of your award letter
Most recent 2 month bank statements for checking and savings (all pages please)
Recent statements for any IRA, retirement, deferred comp or stocks (all pages please)
Copy of your photo ID (CA drivers license)
If you are refinancing, we will need a copy of your current mortgage loan payment coupon, a copy of your fire insurance declaration page showing coverage and annual premium and property tax bill