During the loan application process, our Mortgage Expert will request that you provide documentation to verify your identity, income, assets, etc. The requested documentation typically includes the following items for each borrower:
For All Loans:
- Copy of driver’s license
- Copy of social security card
- Copies of paystubs– covering most recent 30 days
- Copies ofW-2s –most recent 2 years
- Copies of Tax returns –most recent 2 years
- Copies of bank statements- most recent2 months
- Earnest Money Deposit– Copy
- Documentation for any other assets being used for consideration of the loan
(i.e. retirement account statements, IRA’s, 401k, etc. )
For VA Loans add the following:
- DD-214 Separation Notice or Enlistment letter (VA Only)
- Certificate of eligibility (VA Only) – We can order online for you if don’t already have one
For REFINANCE Loans add the following:
- Copy of current mortgage statement
- Copy of existing homeowners insurance Declarations page
- Copy of prior owner’s title policy (when refinancing)
- Copy of original survey
Additional items that may be applicable
- Bankruptcy discharge and petition paperwork
- Divorce decree/Marital Settlement Agreement
- Child support income documentation
The requested documents can be delivered in person or by mail, scanned and emailed, or faxed.
Daren Thomas
Cell: (850) 420-6828
Email: DarenT@spfs.com
Fax: (866) 311-8280
Have questions? Contact a Mortgage Expert in Navarre! (850) 936-0422