Usually the underwriter needs a copy of your most recent W2, pay stubs for 30 days, and bank or brokerage statements verifying your ownership of the required funds to cover the down payment and/or closing costs and escrows. In addition, if you are self-employed, the most recent two years of federal tax returns (and occasionally corporate tax returns) are required.
We know paperwork in probably not your favorite thing. The good thing is that it’s our thing. We make loans. That’s what we do. Sure, you need to gather up some documents, but be do this every day. We’ll take it from there and keep the mortgage process and smooth and easy as it can be. We guide you through it and try to keep it fast and easy.