{"id":28,"date":"2011-06-04T03:10:27","date_gmt":"2011-06-04T10:10:27","guid":{"rendered":"http:\/\/66.147.244.55\/~hemetmor\/?page_id=28"},"modified":"2025-09-26T11:57:15","modified_gmt":"2025-09-26T18:57:15","slug":"documents-needed-for-mortgage-loan","status":"publish","type":"page","link":"https:\/\/hemetmortgage.com\/?page_id=28","title":{"rendered":"Documents Needed for Mortgage Loan"},"content":{"rendered":"<h3><b>Your Mortgage Document Checklist<\/b><\/h3>\n<p>Getting your financial documents in order is a crucial first step toward securing your home loan. Providing these items upfront allows us to get a complete and accurate picture of your finances, ensuring we can find the absolute best loan program for you and move your application forward smoothly.<\/p>\n<p>Please use this guide to gather the necessary items for your planning session.<\/p>\n<hr \/>\n<h3>## 1. Income &amp; Employment<\/h3>\n<p>This information helps us verify your employment history and your current, stable income.<\/p>\n<ul>\n<li><b>Pay Stubs:<\/b> Your most recent, consecutive pay stubs covering a <b>30-day period<\/b>.<\/li>\n<li><b>W-2s &amp; Tax Returns:<\/b> Your W-2 forms and complete personal federal tax returns (all pages and schedules) for the last <b>two years<\/b>.<\/li>\n<li><b>For Business Owners:<\/b> If you own 25% or more of a business, please provide your complete corporate\/partnership tax returns for the last <b>two years<\/b>, including all schedules and K-1s.<\/li>\n<li><b>Other Income:<\/b> If you receive retirement, disability, or social security income, please provide the most recent year&#8217;s award letters.<\/li>\n<\/ul>\n<hr \/>\n<h3>## 2. Assets<\/h3>\n<p>These documents show you have the necessary funds for a down payment and closing costs.<\/p>\n<ul>\n<li><b>Bank &amp; Investment Statements:<\/b> Complete statements for the last <b>two months<\/b> for all accounts holding funds you will be using for this transaction. This includes checking, savings, 401(k)s, IRAs, stocks, etc.\n<ul>\n<li><i>Note: Underwriters require <b>all numbered pages<\/b> of each statement, even if a page is blank.<\/i><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr \/>\n<h3>## 3. Personal Information &amp; History<\/h3>\n<ul>\n<li><b>Identification:<\/b> A clear copy of your driver&#8217;s license and Social Security card.<\/li>\n<li><b>Residency History (if applicable):<\/b> Names and contact information for your landlords for the last <b>two years<\/b>.<\/li>\n<li><b>Employment History (if applicable):<\/b> Names and contact information for any employers from the last <b>two years<\/b> not reflected on your W-2s.<\/li>\n<\/ul>\n<hr \/>\n<h3>## 4. Special Circumstances (If Applicable)<\/h3>\n<ul>\n<li><b>Divorce or Separation:<\/b> Please provide a complete copy of your divorce decree or separation agreement.<\/li>\n<li><b>Bankruptcy:<\/b> If you have had a bankruptcy in the last <b>three years<\/b>, please provide all filing and discharge paperwork.<\/li>\n<li><b>Recent Graduates:<\/b> If you have graduated in the last <b>two years<\/b>, please provide a copy of your diploma or transcripts.<\/li>\n<li><b>For VA Loans:<\/b> Please provide your DD-214 and Certificate of Eligibility (COE).<\/li>\n<\/ul>\n<hr \/>\n<h3>## 5. For Current Homeowners<\/h3>\n<p>If you currently own one or more properties, please provide the following for each:<\/p>\n<ul>\n<li>Most recent mortgage statement<\/li>\n<li>Current homeowner&#8217;s insurance declarations page<\/li>\n<li>Most recent property tax bill<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Your Mortgage Document Checklist Getting your financial documents in order is a crucial first step toward securing your home loan. Providing these items upfront allows us to get a complete and accurate picture of your finances, ensuring we can find &hellip; <a href=\"https:\/\/hemetmortgage.com\/?page_id=28\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":7,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"onecolumn-page.php","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-28","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/P8kZWX-s","_links":{"self":[{"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28"}],"version-history":[{"count":3,"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/28\/revisions"}],"predecessor-version":[{"id":290,"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/28\/revisions\/290"}],"up":[{"embeddable":true,"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/7"}],"wp:attachment":[{"href":"https:\/\/hemetmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}