To speed-up the application and approval process you should have the following items available for your loan officer when you apply for a mortgage loan:
- Two most current years of tax returns including W2′s and/or 1099′s
- Your two most current pay stubs
- Your two most current months of bank statements for all checking and savings accounts
- A copy of your current mortgage statement (if a refinance)
- Contact information for your home owners insurance agent
- Your driver’s license and social security card
- Two years of residential and employment history complete with addresses and phone numbers
- Divorce decree if divorced in the past seven (7) years or paying or receiving child support or alimony (if child support or alimony will be used as qualifying income for your loan)
- Bankruptcy papers if a bankruptcy was filed in the past ten (10) years
