Required Documentation
Documents We’ll Need
During the loan process, we’ll require some documentation to identify you, verify the information that you’ve given us, and ensure that we have the full picture. Documents typically required are:
- Two forms of identification
- Your Social Security card
- Current pay stubs – or, if self-employed, your tax returns for the past two years
- Bank statements for the past two months
- Investment account statements for the past two months
- Your life insurance policy
- Retirement account statements for the past two months
- Make and model of vehicles you own and their resale value
- Credit card account information
- Auto loan account information
- Personal loan account information
If you already own property, we’ll also need:
- Mortgage account information
- Home insurance policy information
- Home equity account information (if applicable)
Documentation FAQs
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What if I can’t get one of these documents?
You can talk to us about it – we may be able to help you acquire them or suggest alternative documentation instead.
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Why do you require so much documentation?
We must document your financial situation in order to be able to lend you any funds. This is standard practice in mortgage lending and all underwriters require it.
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I have multiple bank accounts, credit cards, and vehicles. Do I have to provide documentation for all of these?
In short, yes! The more documentation the better. If in doubt, just send it over – we’ll sort through it and compile the things we need.
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