Documents Needed for purchasing

1. All tax returns, business (if applicable) and personal, for the last 2 years (as filed with the IRS), including all pages and schedules.
2. The most current W-2s and/or 1099 for the last 2 years for all individuals on the loan.
3. Pay stubs for the last 2 months for all individuals on the loan.
4. Bank statements for the last 2 months, all pages even if blank or no financial information is on them. Not a web print out of the account activity, actual bank statements.
5. 401k or retirement account statements verifying assets for the past 2 months.
6. Home owner’s insurance declaration page and paid receipt showing that it is paid in full (you will need to provide us with your insurance agent’s contact information)
7. A copy of a driver’s licenses and social security cards for all individuals on the loan.
8. A copy of the fully executed contract for purchasing the home.
9. A copy of the seller’s executed property disclosure and lead base paint disclosure (if applicable).
10. A copy of the cleared earnest money check, front and back of the check.
11. The bank statement showing the earnest money has cleared.
12. Real estate agent’s contact information: name, phone number, and email address.

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1372662