*This is a general list of documents that I will need to get started with the pre-approved for your home loan, refinance, cash-out, HELOC, or reverse mortgage. Additional and or supplemental documents may be required.
Consult Loan Officer Marcel Garcia for a list of documents for your specific application.
Borrower's Authorization Form (download, print & fill-out)
Driver’s License (front only)
Pay-stubs (2 most recent)
W2s / 1099s (2 years)
Federal Tax Returns 1040s (2 years)
Bank Account Statement (2 Most Recent with All Pages)
Corporate Federal Tax Returns 1120s (2 years)
Any K1s, 1099s, W2s associated with your Corporate Returns
Mortgage Statement (current)
Homeowner's Insurance Policy (current)
HOA Statement (if applicable)
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Applying for a mortgage can feel like a big step, but gathering your documents upfront can make the process smooth and stress-free. To help you prepare, we've put together a comprehensive list of what you'll typically need. Having these items ready will significantly speed up your application and help us secure the best loan for you.
Commonly Required Documents Include:
Proof of Income & Employment: This helps us verify your ability to repay the loan. Think recent pay stubs, W-2s, and tax returns. If you're self-employed, we'll guide you on specific business income documentation.
Asset Information: We'll need to see statements from your bank accounts (checking, savings), and investment accounts to verify funds for your down payment and closing costs.
Credit & Debt Information: While we'll pull your credit report, having a list of your current debts (like credit cards, auto loans, student loans) can be helpful.
Personal Identification: A valid government-issued ID and your Social Security Number are essential.
Why is this important? These documents paint a complete financial picture, allowing lenders to assess your eligibility and offer you the most favorable terms. Don't worry if you don't have everything perfect; our team is here to help you understand each requirement and assist you in compiling your file.
Ready to get started? Review the detailed list below and begin collecting your documents. The sooner we have this information, the quicker we can move you closer to your new home!