*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.
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. These documents may need to be updated depending on how long the process takes.