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What
Documents will I need to provide to close my loan?
Depending
on the type of loan you are applying for, you may need to bring in additional
documentation in order for your your loan to close. Below we've listed
some of the documents required to close a "FULL DOC" loan.
You will only need to provide those documents which pertain to your
individual situation. Keep in mind this is a general list only, and
you may be required to provide additional documentation before your
loan can fund, and you may not need some of the items listed below.
You will
only need to provide items from the list below that pertain to your
specific situation:
- Most recent
pay stubs on all employment for the last 30 days
- The last two
(2) years complete tax returns
- The last two
(2) years W-2 and 1099 forms
- Award letters
for social security or disability income (if applicable)
- Award letters
from pension or retirement income (if applicable)
- Mortgage statements
on all open real estate loans (including rentals)
- Rental agreements
(if you currently have tenants renting from you)
- Checking/Savings
accounts and other assets including bank addresses, account numbers,
and if available 3 months most recent bank statements.
- Complete bankruptcy
papers (if applicable) Copy of petition and discharge, handwritten
explanation of reason for bankruptcy, evidence of excellent credit
since the bankruptcy
- Complete divorce
papers or separation agreements (if applicable)
- Name and address
of current landlord (if applicable - purchases only)
- Letter of explanation
for any derogatory credit
- Cash out letter
(if you are obtaining a loan with extra cash out, explain what you
intend to use the cash for)
- Gift letter
and evidence of funds (purchases only)
- If you are
NOT a US citizen, we will need a copy of your green card (front &
back)
- If you are
NOT a permanent resident of the US, we will need a copy of your H-1
or L-1 visa.
If self-employed
you will also need:
- A year-to-date
profit and loss statement
- K-1 forms (if
applicable)
- Partnership
and/or corporate tax returns (if applicable)
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