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Common Documents Required:

The specific documents required for a loan application can vary depending on the type of loan (e.g., mortgage, personal loan, business loan) and the lender's policies. However, here is a general list of documents that are commonly requested during the loan application process. It's important to note that this is a general guide, and the specific requirements can vary by lender and the type of loan. Borrowers should check with their specific lender for a comprehensive and accurate list of required documents.

Personal Information:

•   Valid government-issued photo ID (e.g., driver's license, passport)

•   Social Security number

•   Proof of residence (e.g., utility bill, lease agreement)

Income and Employment Verification:

•   Pay stubs (usually covering the last 30 days)

•   W-2 forms (for the past 2 years)

•   Last 2 years month of December final paystubs. 

•   Tax returns (for the past 2 years)

•   Proof of additional income (e.g., bonuses, alimony, child support)

Assets:

•   Bank statements (for the last 2 months)

•   Investment statements (e.g., retirement accounts, stocks)

•   Documentation of other assets

Debt Information:

•   Information on existing debts (e.g., credit card statements, auto loans, student loans)

Property Information (for Real Estate Loans):

•   Purchase agreement (for home purchase loans)

•   Property listing (for home equity loans)

•   Property valuation (appraisal report)

Business Documents (for Business Loans):

•   Business financial 12-24 months bank statements

•   Business tax returns

• 1099

Additional Documentation (Depending on Loan Type):

•   Divorce decrees or child support documentation

•   Explanation of any derogatory credit issues

•   Gift letters (if using gift funds for a down payment)

•   Rental history (for some mortgage applications)

It's important to note that this is a general guide, and the specific requirements can vary by lender and the type of loan. Borrowers should check with their specific lender for a comprehensive and accurate list of required documents.

For investment loans or foreign nationals or any other questions please contact or email the number below for more information.