Required Documents
In order to evaluate your mortgage application, you'll need to provide us with the following documents:
W-2 Statements from the last two (2) years
Pay Stubs from the last thirty (30) days
Bank Statements from the last two (2) months
IRA, 401k, or Mutual Fund Account most recent transaction summary
Stocks or Certificate of Deposits (CDs) photocopies
Purchase and Sale Agreement copy
Letter of Explanation for any known credit problems
If you are DIVORCED:
Divorce Decree – fully executed
If you are REFINANCING:
Deed copy
Tax Bill – most recent
If you are PURCHASING A HOME:
Purchase Contract – signed
Realtor Contact Information
Condo Association Contact Information (If applicable)
If you applying for a VA LOAN:
DD Form 214 – Long form
If you are SELF-EMPLOYED, EMPLOYED IN SALES, PAID BY COMMISSION, OR OWN RENTAL REAL ESTATE:
Personal Tax Returns from the last two (2) years – signed – with all related schedules
If you are SELF-EMPLOYED THROUGH A CORPORATION:
Corporate Tax Returns from the last two (2) years
Year-to-Date Profit and Loss Statement
Current Balance Sheet
Depending on the loan program you are applying for, more or less documentation may be required. Your VIP Mortgage Group representative will inform you of any further information needed.
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