PURCHASE:

For self-employed borrowers, please return:

1.     2022 & 2023 personal & business tax returns.

2.     2022 & 2023 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.     2022 & 2023 W2’s

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

REFINANCE:

For self-employed borrowers, please return:

1.     2022 & 2023 personal & business tax returns.

2.     2022 & 2023 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 policy.

5.     Most recent mortgage statement on property being refinanced.

For W2 earners:

1.     30 days most recent paystubs

2.     2022 & 2023 W2’s

3.     Most recent most recent mortgage statement.

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

ITIN:

1.     ITIN assignment documents.

2.     Copy of Gov’t issued ID.

3.     2022/2023 W2’s

4.     2022 & 2023 personal federal tax returns.

5.     WVOE or 30 days most recent paystubs.

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

ITIN SELF EMPLOYED:

1.     Business tax returns 2022 & 2023.

2.     60 days most recent personal bank statements.

3.     90 days most recent business bank statements.

4.     2024 YTD profit & loss statement.