"Thanks again for your help in the refinancing of our home. You make it so hassle free in very little time. Best wishes and continued prosperity in all that you do."
-John and Jeannette Kahn

Organize Docs

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

  1. Complete and sign the residential loan application, Form 1003, and the attached loan info sheet, credit authorization and fair lending notice. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout.
  2. If you are salaried: you may need to provide W-2's for the previous two years and one month of paystubs(most likely only your most recent W2 and pay stub). If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement if you have filed an extension. (Note: provide copies of all requested documents. Do not provide original documents.)
  3. If you own rental property, provide recent rental agreements and/or tax returns for the previous two years, including all schedules.
  4. To speed up the approval process, provide bank statements for the most recent two months statements for all bank , and recent statements for stock, mutual funds and IRA/401K accounts.
  5. To speed up the approval process, provide bank statements for the most recent two months statements for all bank , and recent statements for stock, mutual funds and IRA/401K accounts.
  6. If you are NOT a US citizen, provide a copy of your green card (front & back).
  7. To speed up the approval process, provide bank statements for the most recent two months statements for all accounts including stock, mutual funds and IRA/401K accounts.
  8. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
  9. If you are applying for a home equity line of credit or loan (second loan), also include your first mortgage note. (This should be with your closing loan documents).