Documentation You Will Need

In addition to the information you provided on your application, you will need to provide more documentation in order to close your loan. The following is a general list. The information you are required to provide may vary depending on the type of loan program.

FHA and Conventional (Full Doc)

  1. Salaried borrowers- Copy of your W-2 forms for the past two years.
  2. Self-employed borrowers- Copy of your 1099 forms and federal tax forms (include all schedules)for the past two years.
  3. Copy of your 2 most recent paystubs.
  4. Copy of your most recent 3 months bank statements. (Include all pages)
  5. Copy of your most recent, retirement account statement(s) and/ or 401k, if applicable
  • Purchases, please include the following information also:
    • Landlord contact, addresses, and phone numbers for the last two years.
  • Refinances, please include the following information also
    • Copy of your current note and mortgage statement or coupon.

FHA Streamline

  1. Copy of mortgage statement or coupon showing your current interest rate and P&I payment
  2. Copy of Deed of Trust
  3. Copy of Note
  4. Copy of Social Security card, for each borrower on the loan
  5. Copy of Driver's License for each borrower on loan
  6. Copy of Resident Alien Card for each borrower on loan (if applicable)

Depending on your unique situation, you may also be asked to provide some of the following:

Award letters for Social Security or disability income (if applicable)
Award letters from pension or retirement income (if applicable)
Rental agreements for all investment properties
Year-to-date profit and loss statement
Asset Information
Money market account(s)
Certificate of deposits (CDs)
Retirement and 401Ks
Stock and bonds
Equity in a life insurance policy
A copy of a Drivers License or picture ID
Letter of Explanation for Derogatory Credit
Other Documentation

 
     

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CA. Dept. of Real Estate - Real Estate Broker #01157005
All loans subject to underwriting approval, acceptable credit, and acceptable property