New Home Buyer Checklist

• Past two years W-2 statements
• Pay stubs covering thirty days pay, recent and consecutive
• Two most recent monthly bank statements, all pages
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts, all pages
• Purchase: copy of the purchase contract and the sale agreement (if applicable)
• Refinance: copy of original Note and latest mortgage statement
• A letter of explanation for any known credit problems
• Name and phone number of someone who can verbally verify your employment, usually someone from Payroll or Human Resources

For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

• Two years signed personal and corporate tax returns – including all schedules
• Year-to-Date profit and loss statement

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.