There are several programs that do not require all of the following documents to apply for a mortgage.  Although, having the following documents available will speed the mortgage process.  Your sdloans.com loan officer will be able to tell you what documents are required at the time of your application.

Loan documents

Copies of items required for full document loans

1. Two years W-2's or 1099's if retired.
2. Last two months bank statements - all accounts,
3. Most recent statement for mutual funds, stocks, IRA's, or retirement accounts.
4. Last two pay stubs for W-2 employees.
5. Latest mortgage statement on 1st and 2nd (if refinance).
6. Copy of declaration page of Homeowners Insurance - usually the page with the agent's name and phone number (refinance only).
7. Copy of the purchase contract.
8. Copy of a photo ID such as a Drivers License or Passport.

    Additional items required from self-employed

1. Business license copy.
2. Current profit and loss statement.
3. Last three bank statements on business accounts.
4. 1099's if applicable.
5. Two years tax returns.

    Copies of these items are needed if applicable

1. Divorce papers.
2. Trust, if property held in trust.
3. Bankruptcy papers and discharge.
4. Note on 1st, if we are doing a 2nd.
5. Copy of rental agreements, if you own rental property.
6. Home Owners Association information.

 

---

sdloans.com, 11440 West Bernardo Court, Suite 300, San Diego, CA 92127
Phone:  (800) 488-1730 or (858) 713-7550  Fax:  (858) 451-1927
 E-mail:  loans@sdloans.com