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Documents You Will Need For These Types of Loans

CONVENTIONAL, FHA & VA, PURCHASING/RE-FINANCING 1-4 SINGLE-FAMILY HOMES

most recent 2 years tax returns

most recent 2 years W2's

2 months bank statements

1 month pay stub

copy of driver's license

copy of security card

if it's a purchase, include a purchase contract

statements of any assets (optional)

life insurance

401K

stocks, bonds, and securities

NOTE:   Additional documents may be requested.

NON QM PURCHASING/RE-FINANCING INVESTMENT PROPERTIES, 1-4 UNITS

Stated Income Programs Available

No income verification needed

12 months bank statement

most recent 2 years W2's

copy of driver's license

copy of security card

statements of any assets (optional)

life insurance

401K

stocks, bonds, and securities

LAND

purchase contract

most recent 2 years tax returns

most recent 2 years W2's

2 months bank statements

1 month pay stub

copy of driver's license

copy of security card

statements of any assets (optional)

life insurance

401K

stocks, bonds, and securities

CONSTRUCTION

No income verification needed

most recent 2 years tax returns

most recent 2 years W2's

2 months bank statements

1 month pay stub

copy of driver's license

copy of security card

if it's a purchase, include a purchase contract

statements of any assets (optional)

life insurance

401K

stocks, bonds, and securities

NOTE:   Additional documents may be requested.

COMMERCIAL

rent roll

leases

if it's a purchase, include a purchase contract

NOTE:   Additional documents may be requested.

HARD MONEY

minimal documentation needed