Documents needed for your loan program

Conventional & Jumbo Loan Documents

• Most recent 30 days’ pay stubs (if W-2 income)
• Last 3 months’ bank statements (all accounts, all pages)
• Savings/Mutual fund statements (3 months)
• If Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement, signed & dated
• Previous two years' Tax Returns
• Previous two years’ W-2 Forms (if W-2 income)
• Divorce Decree (if applicable)
• Bankruptcy discharge documents (if applicable)
• Should you have no credit. Copies or your most recent utility bills will be needed (if applicable)
• If you co-signed for a mortgage, car, credit card, etc, need 12 months canceled checks. front and rear, indicating you are not making payments (if applicable)
• Copy of Driver’s License
• Copy of Social Security Card
• Sales Contract

Conventional & Jumbo Refinance Documents

• 30-Day Payoff from current lender
• Most recent 30 days’ pay stubs (if W-2 income)
• Last 3 months’ bank statements (all accounts, all pages)
• Savings/Mutual fund statements (3 months)
• Previous two years’ Tax Returns, signed & dated (if self-employed)
• Previous two years' Tax Returns
• Previous two years’ W-2 Forms (if W-2 income)
• Homeowners’ Insurance Policy Declarations Page
• Current Mortgage Statement
• Note
• Deed of Trust
• Survey and Settlement Statement (HUD-1) or CD (Closing Disclosure)
• Divorce Decree (if applicable)
• Bankruptcy discharge documents (if applicable)

The Note, Deed of Trust, Survey and Settlement Statement (HUD-1) should be in the package of documents provided to you by the title company when you closed your current loan.