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To help ensure that your loan application is processed as smoothly as possible, you should gather the following documents together for submission with your application. Your loan approval will be delayed if all of the following items are not submitted.
Note: Not all items are needed for certain loan programs; consult your MainStream Loan Specialist for details. (All items apply to both borrower and co-borrower).
- W2’s for the previous two years.
- Copy of paycheck stubs for the last 30 days.
- List of landlord/mortgage company for past 2 years (addresses, contact information).
- List of employers for the past two years (addresses, dates employed).
- List of Assets/Open Loans (addresses, type of account, account number, balances)
- Bank (name, account number, balances, copies of your last 2 bank statements).
- List of all open credit accounts: i.e. charge accounts; car loans (account numbers, payment amounts and balances).
- Account number of current mortgage and address/phone number of lender (or current landlord if applicable).
- Approximate annual taxes and homeowners insurance for property.
- RE-FINANCE ONLY— Survey.
- RE-FINANCE ONLY— Previous HUD or settlement statement.
- Homeowners Insurance Information (name/phone number of Insurance Agent).
- NEW PURCHASES ONLY— All purchase agreements involved in this transaction.
- NEW PURCHASES ONLY— Front and back copy of canceled earnest money deposit check or bank statement showing its withdrawal.
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IF APPLICABLE:
- Copy of divorce decree.
- Copy of drivers license.
- Certificate of eligibility DD214 (VA).
- If you pay child support or alimony: A Friend of the Court letter stating payment amount and current child support printout from Bureau of support.
- If you are self employed: 1040's for previous two years, year-to-date profit and loss statement, and balance sheet signed by your accountant if after April 15th.
- If you own income properties or if your income is based on commissions: 1040's for the previous two years (including all schedules).
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