Fast Processing Guide
Mortgage Document Checklist
Gathering your documents upfront is the single best way to keep your loan moving toward a fast, smooth clear-to-close. Here is what underwriting will typically request.
Standard W-2 Employee Homebuyer
- Government-Issued Photo ID (Driver's License or Passport)
- Most Recent 30 Days of Paystubs
- W-2 Forms for the Past 2 Consecutive Years
- Most Recent 2 Months of Bank Statements (All Pages)
- Current Mortgage Statement (if refinancing or retaining existing property)
Self-Employed / Business Owner
- Personal Tax Returns (Past 2 Years with all schedules)
- Business Tax Returns (Past 2 Years: 1120S / 1065 / 1040)
- Year-To-Date Profit & Loss (P&L) Statement & Balance Sheet
- Most Recent 2 Months of Personal & Business Bank Statements
- Proof of Business Ownership & Business License
DSCR Investor Loan (No Tax Return)
- Government-Issued Photo ID
- Entity Articles of Organization (LLC / Corporate Operating Agreement)
- Most Recent 2 Months of Bank Statements (verifying down payment & reserves)
- Current Lease Agreements (for existing multi-family or tenant-occupied property)
- Homeowners Insurance Quote / Declaration Page
VA Loan Veterans / Active Duty
- DD-214 (Certificate of Release/Discharge) or Statement of Service
- Certificate of Eligibility (COE) — We can also pull this for you!
- Standard Income Docs (Paystubs + W-2s) or Retirement Statements
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