Mortgage-Stamp-LA-BoT-20
Bellerose Lawyer
Law Office

Helpful tips when gathering the required documents: 

  • Please send actual statements and documents rather than screenshots, overview, or photos.
  • Numbered pages require ALL numbered pages on statements, even if blank.
  • Uploading all at once is much easier to execute the process.
  • Full and complete loan application (optional online app, word application, phone)
  • If applicable: Rental properties: Address, value, loan balance, payment break-down and if taxes/insurance included. Please send most recent mortgage, property tax, insurance, and HOA statement as applicable for each property.
 

Required Documents

All Borrower(s)
    1-Driver’s license(s), or Passport
    2-Social Security card(s). 
    3-If you are not a US citizen, a copy of the front and back of your green card(s).
All Borrower(s)
    1-Your paystub(s) covering the last 30 consecutive days (must include a year-to-date income).
    2-W-2's Forms for the last 2 years.
    3-Award letter for any social security and/or disability income. Should show income to continue for the next 3 years.
    4-Retirement award letters. Should show income to continue for the next 3 years.
    5-Last 2 years personal federal income tax returns (1040's) with all pages and all schedules from all borrowers. These must be signed and dated.
    6-If you are self-employed
    If 25% or more owner of a company, Last 2 years corporate tax returns, all schedules (if applicable)
    Last 2 years 1099’s (if applicable)
    Last 2 years K-1’s (if applicable)
All Borrower(s)
    1-Last 2 months of bank statements. These must include all pages of the statement(s) even if the last page is blank. Internet copies are acceptable as long as they contain bank name, account number, your name and 60 days history. Statements with redacted information are not acceptable.
    2-Last quarterly statement for all listed other asset accounts. This will include 401(k), IRA, stock accounts, and mutual funds. Must include all pages of statement even if last page is blank.
    1-Fully executed sales contract completed by all parties (Realtors, sellers, and buyers) with all signed addendums ( any required documentation per said addendums).
    2-Proof earnest money deposit has cleared your bank. A picture of the cleared check (front and back) should be available through your bank’s online access.
    3-Copy of sales contract on existing home if you are selling current home.
    1-If you own other real property (rental or second homes). Please provide hazard insurance declarations page, property tax statements, leases, and a copy of the current mortgage on all properties.
    2-If applicable, a signed copy of your complete divorce decree.
    3-If you receive child support, alimony, or separate maintenance and wish this to be considered as income, provide proof of receipt for the last 12 months.
    4-If you have previous bankruptcy, a copy of discharge or dismissal paperwork.
    1-Most recent mortgage statement(s) for your current loan(s) for all properties.
    2-Hazard Insurance Information: a copy of your hazard insurance declarations page or provide the name, company, phone number, and policy number for your homeowner’s insurance. * The following items should be in the file you received after your last closing on this property.
    3-Copy of current Title Insurance policy and attached schedules. (If you can locate as it is not required).
    4-Copy of HUD-1 Settlement Statement or Closing Disclosure from your last transaction.
    Copy of your DD214 if separated from the military (see below for instructions to request if you do not have a copy)
    Statement of service from your commanding officer if you are active duty
    Your Certificate of Eligibility (COE). Your Loan Consultant can help you get this. Requesting Your DD-214 1. Digital Express If you need your DD-214 quickly, you should request the services of a DD-214 express service. There are numerous services found online, and there is usually a fee associated. But if you need your DD Form 214 in a hurry, expedited service is a great option.
    2. Request your DD-214 online If you don’t need your DD-214 right away, you can request it online directly from the National Personnel Records Center (NPRC). This option allows you to complete the necessary information online through eVetRecs, NPRC’s online request system.
    3. Request the DD-214 by fax You can also request DD-214 duplicate copies directly from the National Personnel Records Center by faxing a completed and signed SF-180 form to fax number 314-801-9195.
    4. Mail-in your request
    Mail a written request for your DD214 to:
    National Personnel Records Center
    Military Personnel Records
    1 Archives Drive
    St. Louis, MO 63138
    1-Recent Mortgage Statement
    2-Current Mortgage Note
    3-Homeowners Insurance Declaration Page
    4-Copies of Drivers License and Social Security Cards
    5-Copy of DD214 (V.A. Eligibility Form)
    6-V.A. Disability Letter (If Applicable)
    7-Second Mortgage Information (If Applicable)
    8-Homeowners Association Documentation (If Applicable)
    1-Recent Mortgage Statement
    2-Current Mortgage Note
    3-Homeowners Insurance Declaration Page
    4-Copies of Drivers License and Social Security Cards
    5-Copy of DD214 (VA Eligibility Form)
    6-Most recent two (2) months of bank statements (all pages)
    7-Most recent two (2) months’ pay stubs
    8-W-2 Forms from the past two (2) years
    9-Full 1040 Schedules from the past two (2) years (all pages)
    10-Assets documentation
    11-Trust agreement (If Applicable)
    12-V.A. Disability Letter (If Applicable)
    13-Second Mortgage Information (If Applicable)
    14-Homeowners Association Documentation (If Applicable)