Documents Needed for purchasing
- All tax returns, business (if applicable) and personal, for the last 2 years (as filed with the IRS), including all pages and schedules.
- The most current W-2s and/or 1099 for the last 2 years for all individuals on the loan.
- Pay stubs for the last 2 months for all individuals on the loan.
- 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.
- 401k or retirement account statements verifying assets for the past 2 months.
- 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)
- A copy of a driver’s licenses and social security cards for all individuals on the loan.
- A copy of the fully executed contract for purchasing the home.
- A copy of the seller’s executed property disclosure and lead base paint disclosure (if applicable).
- A copy of the cleared earnest money check, front and back of the check.
- The bank statement showing the earnest money has cleared.
- 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