Financial Documents Needed

What you need

For all mortgage applications you will need the following documents: 

• Copies of W2 forms from the previous two years
• Copies of completed personal federal tax returns from the previous two years (all schedules required)
• Copies of completed business federal tax returns from the previous two years (all schedules required) if applicable
• Copies of pay stubs for the last 30 days
• Copies of two months most recent bank statements (all pages required)
• Copy of most recent mortgage statement and second mortgage if applicable
• Copy of homeowners insurance declarations page (copy of master policy if property is a condominium or townhome)
• Copy of full Trust agreement if property is in a Land or Living Trust 

Additional requirements for new purchases:  

• Copy of fully executed contract with riders or addendums
• Copy of canceled earnest money check (front and back) or signed verification of earnest money form
• Prior to closing, the Bank will need proof of homeowners insurance policy and paid receipt