Everyone
- Government-issued photo ID
- Two most recent months of bank statements, all pages
- Retirement or investment account statements used for reserves
- Contact info for your homeowners insurance agent
- Explanation and documents for large deposits
W-2 employees
- Pay stubs covering the last 30 days
- W-2s for the last two years
- Contact info for your employer, if requested
Self-employed
- Two years of personal and business tax returns, all schedules
- Year-to-date profit and loss statement
- Or, for bank statement loans: 12 to 24 months of statements
- Business license or CPA letter
Real estate investors
- Leases for current rentals
- Mortgage statements for each property owned
- Property tax and insurance bills
- LLC operating agreement and EIN letter, if closing in an LLC
Refinancing
- Current mortgage statement
- Homeowners insurance declarations page
- Homeowners association contact, if applicable
After you apply, you get a personalized needs list in your secure borrower portal. Upload documents from your phone, and you will see each item check off as we review it.
Ready to see your options?
Apply online in about 15 minutes, or call to talk it through first.