All Loans (see below for No doc and stated income program requirements.)

• Copy Of Driver License and Social Security card (or 2nd form of acceptable ID.)
• Divorce decree if applicable
• Resident card front and back if applicable
• List of all Real Estate Owned including addresses, current value, balance of mortgage, monthly payments and rents.
• List of assets including 401k, Bank accounts, stocks, bonds etc. For full Doc loans include last two most recent statements
• Contact information for Home owner association or management company if applicable
• Last two pay stubs and last two years W 2 Forms
• Business License or CPA Letter if Self Employed

Refinances

• Current Mortgage statement
• Survey (can use a survey up to 10 years old.)
• Hazard, Flood and Windstorm insurance (if applicable.)
• List of all accounts to be paid off / consolidated and copies of statements if available

Purchases

• Copy of fully executed sales contract
• List of all realtors involved
• Copy of Escrow deposit check
• Copy of cancelled escrow deposit check as soon as it is available

No Document Loans

• Copy Of Driver License and Social Security card (or 2nd form of acceptable ID.)
• Divorce decree if applicable
• Resident card front and back if applicable
• List of all Real Estate Owned including addresses, current value, balance of mortgage, monthly payments and rents.
• All other requirements for Purchases or Refinances as listed above

Stated Income loans

• Copy Of Driver License and Social Security card (or 2nd form of acceptable ID.)
• Divorce decree if applicable
• Resident card front and back if applicable
• Name, address, position and telephone number of employer
• CPA Letter or Businesss License for Self Employed borrowers
• List of all Real Estate Owned including addresses, current value, balance of   mortgage, monthly payments and rents.
• All other requirements for Purchases or Refinances as listed above

* Please note that the above are general guidelines and requirements may differ due to individual requirements.  If in doubt, do not hesitate to call for clarification at 888 344 3820