Documents Needed for a Mortgage Loan

DOCUMENTS Needed for a Mortgage Loan

Gather Personal and Financial InformationEsign and Go

*Ask about our Esign and Go loan, you esign and we do the rest. Not all borrowers are eligible.

  • Past two (2) years W2 statements

  • Pay Stubs covering the last (30) thirty days

  • Documentation of any other sources of income

  • Two most recent monthly bank statements

  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts

  • Copy of the Real Estate Purchase Contract

  • If you are currently renting, either 12 months canceled rent checks or the name and address of your current landlord

  • If divorced…a fully executed divorce decree

  • A letter of explanation for any known credit problems

  • Proof of your identity (typically a drivers’ license or non-driver ID)

  • Verification of social security number

  • Servicemembers or veterans should obtain a certificate of eligibility from the VA

  • Self-employed borrowers, employed in sales, paid by commission, or owns rental real estate:

    • Two (2) years signed personal tax returns - including all schedules

    • Self-employed through a corporation, LLC, or partnership, last two years business tax returns as well as a year-to-date profit and loss statement and balance sheet

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.

The more organized you are, the faster the loan approval process will be.

Make sure your documents are accurate and complete.

Your mortgage broker uses the information you provide to determine how much you qualify for and your mortgage rate in Utah. If your information is inaccurate, you could encounter costly surprises down the road. If your documents are incomplete, mortgage lenders may reject them.

  • Make sure to include every page of multi-page documents.

  • Make sure when printing online documents that the full URL is included on each page.

Chances are, you'll need to update some of your information at least once during the loan process. Mortgage companies like to see the most recent bank statements, pay stubs, etc. The documents needed for a mortgage loan may need to be updated depending on how long the process takes.

4 Documents You Need for Mortgage Pre-approval >

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Your Mortgage Broker

As a mortgage broker in Utah, we work with several mortgage lenders, enabling us to offer you a variety of Utah mortgages and refinance home loans at the best mortgage rates and lowest fees available. Working with several lenders allows us to offer more home loan options to help you achieve your goals. Whether you're buying a home or refinancing, Advanced Funding is here to help. Our mortgage loan officers are available to help you during regular business hours or a time that is more suitable to your needs. Call today for more information, 801-272-0600.

Experience Matters

As one of the most trusted and respected mortgage companies in Utah, Advanced Funding Home Mortgage Loans offers a variety of purchase mortgage and refinance products. Our licensed mortgage brokers are both knowledgeable and experienced to ensure you a pleasant home loan experience at the best interest rates available. We combine the use of technology, impeccable service, a dynamic management team, along with a well-trained, and experienced staff to produce results, such as great mortgage rates, low fees, and most importantly, a fast and pleasant loan experience.

Advanced Funding Home Mortgage Loans
6589 South 1300 East, Suite 200
Salt Lake City, UT 84121

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