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Here is a list of documents you may need to get together before you apply for a loan. Gathering these documents in advance can make the process so much smoother for both you and the loan officer!
When applying for a home loan, make sure to have these documents ready:
FINANCIAL AND INCOME DOCUMENTS
Most recent pay stubs covering the last 30 days
W-2s for the last two calendar years
Two months most recent statements for all checking, savings, CD, money market, and/or securities-brokerage accounts (please include all pages even blank ones)
Two months most recent statements (or most current quarter) for all retirement accounts (IRAs, SEP-IRAs, 401Ks or 403Bs)
Most recent statement of stock options, employee stock option purchase plans, and similar only if you’re using them as part of the down payment or for closing costs
Federal tax returns (1040s) for the last two calendar years; please include complete returns with all schedules filed (State returns are not needed)
All federal K-1s, partnership returns (1065s) and corporate or S-corp. returns (1120s or 1120-Ss) for the last two calendar years (if applicable)
YTD Profit & Loss Statement if you’re self-employed or an independent contractor
PROPERTY DOCUMENTS
Leases on all rental properties you may own, if applicable
Mortgage, real estate tax and insurance premium statements for these properties
Most recent mortgage statement (refinance only)
Current year tax statement, if not reflected on mortgage statement (refinance only)
Insurance declaration page (refinance only)
PERSONAL DOCUMENTS
Complete bankruptcy papers, if applicable
Divorce decree and settlement statements, if applicable and only if requested by Underwriting to verify receipt or obligation to pay alimony or child support or to verify the division of assets
PROOF OF IDENTITY
Copy of state-issued driver's license (front and back) or passport showing your date of birth
If not a U.S. citizen: a resident alien card (front and back); resident alien application or H1B or L1 Visa plus passport as applicable
Download the list so you can print it out by clicking here.
The rhythmic elements of geometry dash breeze keep you hooked. Each level’s obstacles sync up with the soundtrack, making it not only a platformer but also a rhythm-based challenge where staying in tune can lead you to victory.
The documents required for a loan are very useful for those who are in need of a loan. Have fun with the game Geometry Dash, a rhythm game that challenges your dance moves.