Everything I need to start your loan package:
- Tax Returns for 2021 and 2022: Must have filed your tax returns, we will be ordering a Transcript of the filed returns to verify your 1040's.
- In the event you cannot find your Tax Returns, you will need to go to the IRS Consumer Division and order a copy they will give them to you there.
- W-2's and 1099's: for 2021 and 2022.
- Pay stubs: covering last 30 days OR Social Security Awards Letter and proof of pension (we will help with this).
- Bank Statements: 2 Most recent bank statements, all pages for all accounts for last 60 days.
- Investment accounts: 401k or IRA account statements, all pages most recent statement.
- Copy of Driver's License and Social Security Card
- Copy of mortgage statement: if you own any properties.
- Contact Information of Landlord if renting: Need name and Phone number.
- Insurance Contact Info: Contact your insurance agent to get a quote on your new home.
- Letter of Explanation regarding ANY derogatory credit: Explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again. SIGNED, DATED
- IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order
