Home Loan Documents

Salaried borrowers:

If you haven't gotten a mortgage in the past year, you haven't gotten a mortgage! Mortgage underwriting standards have tightened significantly and proper documentation is key. Please provide all required documentation promptly to ensure a smooth transaction.

Current pay stubs for the most recent month (normally 2 pay stubs)
Most recent monthly bank/asset statements (all pages)
Most recent W-2 Forms (2 years)
Copy of the purchase and sale agreement (if applicable)
Copy of Real Estate Listing (if applicable)
Photo Id(s)
Copy of property tax and home insurance bills (on all real estate owned)
Copy of current mortgage statement(s)
Copy of Home Equity 'note' (document with the terms of the line/loan). This is required only if your are 'subordinating' (keeping open) your second mortgage.

For self employed borrowers, including those paid by commission, or owners of rental real estate:

Signed personal Federal tax returns - including all schedules- most recent 2 years
Current pay stubs for the most recent month (if any)
Most recent monthly bank/asset statements (all pages)
Most recent W-2 Forms (if an)
Copy of the purchase and sale agreement (if applicable)
Copy of real estate listing (if applicable)
Photo Id(s)
Copy of property tax and home insurance bills (on all real estate owned)
Copy of current mortgage statement(s)
Copy of Home Equity 'note' (document with the terms of the line/loan). This is required only if your are 'subordinating' (keeping open) your second mortgage.

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.

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Westford

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