Documents You Need When You Buy or Refinance

1. If you are employed, provide W-2s for the last two years and one month of pay stubs; or if you are self-employed, provide tax returns for the past two years and YTD profit/loss statement.
2. If you own rental property, please provide rental agreements and the last two years of tax returns.
3. If you want to speed up the process, please provide three months of statements for each bank, stock and mutual fund account.
4. Provide recent copies of any stock brokerage or IRA/401K account statements that you have.
5. If you are requesting a cash-out refinance, please provide a letter explaining what you plan to do with the proceeds.
6. Provide a copy of divorce decree if applicable.
7. If you an NOT a U.S. Citizen, provide a copy of your green card (front & back); or if you are NOT a permanent resident, provide your H-1 or L-1 visa.
8. If refinancing, provide the declaration page of your homeowner's insurance.