Here are a few types of documents needed to start your loan:

• A copy of the Deed, Survey and Title Insurance Policy. (This will normally be found in your original mortgage closing loan documents.)
• Proof of Employment
  ---- If you are salaried: provide two years W-2’s and one month of paystubs
  ---- If you are self-employed: provide 2 years tax returns and a YTD profit and loss statement.
• Additional Income: If you own rental property, please provide rental agreements and two years tax returns. Provide copies of any extra income received, (alimony, child support, 2nd job, etc.)
• Asset Information: Please bring your most recent 2 months bank statements for each bank (checking and/or savings), stock and mutual fund account. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
• If you are requesting a Cash-Out refinance, please provide a letter explaining what you plan to do with the proceeds. (Example: Education, Stock Investments, Wedding, etc)
• Provide a copy of divorce decree if applicable.
• If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.