We have found that if you consolidate all your up-front materials such as shown below it will help expedite the loan process. Also refer to Why Outsource Loan Processing for additional tips.

-Copy of the Lender’s Underwriting Decision.

-Copy of the fully executed Purchase Contract (for purchase transactions).

-Copies of pay stub(s) covering the most current and consecutive 30-day
period for each applicant.

-Copies of the W-2’s and/or 1099’s for the last two years, for each applicant.

-Copies of the entire bank statements for the past two months (all pages), for all checking and savings accounts.
Name, address, and phone number of the borrower(s) landlord for the last 12 months, (if applicable). Note: If borrower is renting from a private landlord, you must include copies of the last 12 months cancelled rent checks (front and back).

-Copy of the last quarterly 401K and IRA statements (if applicable).

-Copies of the last two year's personal and business federal signed income tax returns (signed in blue or black ink) for all self-employed borrower(s).

-Copies of the last two year’s personal federal signed income tax returns (signed in blue or black ink) for borrower(s) receiving commission income.

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