There are a few items we will need from you to get started with the process of approving your loan.  Please don’t let the list below intimidate you; we try to be thorough so we can guarantee your loan approval and close your escrow quickly.  The sooner we have these documents the faster we can close your loan.


This is the very first step.  The easiest way to do this is to click ‘Apply Now’ on the home page. Please include as much personal and employment information as you can to help speed the process along.  To save time, you can ballpark the numbers in the “Assets” and the “Liabilities” section of the application. We will be able to get all the specifics from your bank statements and your credit report.  If you would prefer to do this over the phone we can arrange for a time to do that as well.


Last 2 years personal Federal 1040 tax returns (with all schedules attached)

Last 2 years W-2s, and/or K-1s

For income earned as an employee:

Last two concurrent paystubs showing YTD totals

Contact name and number/email address for an HR or Payroll department representative to verify employment.

For self-employment income:

Last 2 years Federal tax returns for the business (Forms 1120s or 1065)

Current year-to-date P&L Statement and Balance Sheet for current year

For retirement income:

Any Social Security, pension, disability, or VA benefit award letters, etc. (if applicable)


Complete personal bank statements for the past two months. Please include all numbered pages, even if ‘intentionally left blank’. (NOTE: Corporate/business accounts with business names on the statement may not be useable without proper documentation from your CPA.)

  • Personal checking accounts
  • Personal savings accounts

Investment account statements for the past two months, or the last quarterly statement


Your last mortgage statement for all mortgages (or equity lines) on properties currently owned

Home insurance policy information (Policy declarations page) for all properties owned

Copy of the HOA bill for your current property (if applicable)

All of these can be uploaded to our Secure Link