PURCHASE:

For self-employed borrowers, please return:

1.   2023 & 2024 personal & business tax returns.

2.   2023 & 2024 W2’s if you pay yourself.

3.   30 days most recent paystubs if you pay yourself.

4.   60 days most recent bank statements + any other asset info (401k/retirement).

For W2 earners:

1.   30 days most recent paystubs.

2.   2023 & 2024 W2’s

3.   60 days most recent bank statements + any other asset info (401k/retirement) .

REFINANCE:

For self-employed borrowers, please return:

1.   2023 & 2024 personal & business tax returns.

2.   2023 & 2024 W2’s if you pay yourself.

3.   30 days most recent paystubs if you pay yourself.

4.   Contact info to your insurance agent to update the policy.

5.   Most recent mortgage statement on the property being refinanced.

For W2 earners:

1.   30 days most recent paystubs

2.   2023 & 2024 W2’s

3.   Most recent most recent mortgage statement.

4.   Contact info to your insurance agent to update the policy.

ITIN:

1.   ITIN assignment documents.

2.   Copy of Gov’t issued ID.

3.   2023/2024 W2’s

4.   2023 & 2024 personal federal tax returns.

5.   WVOE or 30 days most recent paystubs.

6.   60 days most recent bank statements for purchase (minimum 15%-20% down under this program).

ITIN SELF EMPLOYED:

1.   Business tax returns 2023 & 2024.

2.   60 days most recent personal bank statements.

3.   90 days most recent business bank statements.

4.   YTD profit & loss statement may be required.

PLEASE NOTE:

1.    If 2024 tax returns are not filed yet, you may send 2022 tax returns instead, but must be accompanied by a 2024 profit & loss statement.

2.    If 2024 tax returns are not filed by April 15^th, please provide copy of extension filed