Although technology has greatly reduced the time required to process a mortgage loan, and the amount of paperwork required, the truth is that due to the nature of the transaction and the large amounts of money involved, certain types of documents are required in almost every loan file. This can vary depending on many different factors but the following documents will normally be required (more or less) on every "normal" loan.

If you wish to apply immediately and get the transaction started then please:

1. Complete the rate quote form on the rates page.

2. Fax/e-mail the documents in the following list with the *** after them.

3. We will contact you by telephone or e-mail within 24 hours.

We usually can have a pre-approval for you within 24 hours. Pre-approvals are usually subject to an appraisal of the subject property and any other items that will be required for the loan applied for. 

Getting a mortgage is still a complicated financial transaction. Working with your loan officer will help make the process as simple as possible.

• Current paycheck stubs from all present employers covering at least the most recent thirty days. ***
• Last 2 years W-2 forms and 1040’s. ***
• For self employed borrowers: Last 2 years' tax returns along with a year-to-date profit and loss statement
• For borrowers who own 25% or more of any corporation, last 2 years' corporate tax returns along with a year-to-date profit and loss statement.
• 1 months most recent bank statements.
• Documentation of any assets listed on loan application which does not fall under the heading of "bank statements" (retirement, mutual funds etc...)Must cover a three month or one fiscal quarter period.
• If a gift is being used for this transaction; original gift letter signed by donor and documentation of donor's funds (i.e. three months bank statements or similar documentation) Evidence of receipt and deposit of gift funds into a liquid personal account.
• For any rental properties owned; copies of leases and mortgage coupons or payment stubs.
• Complete Divorce decree if applicable.
• Copy of drivers license or government issued photo identification for all borrowers

Purchase Loans:

• Copy of sales contract for subject property signed by borrowers and sellers including all addendums.***
• Copy of canceled earnest money deposit check (front and back).
• Copy of HUD-1 settlement statement from sale of previous home (if applicable) showing net proceeds from sale or copy of sales contract for sale of current home.
• Name of spouse if waiving homestead (not going to be on the loan).

Refinance Loans:

• Mortgage coupon or payment stub from all (if there is a home equity or 2^nd mtg.) current mortgage holders.
• Name and phone number of Current Homeowner Insurance agent, or a copy of the current declaration page.
• Legal description or survey if available.
• Quit Claim Deed if removing or adding any borrowers.