Applying for your loan begins with a complete application, source documents, and credit report but only after we answer all your questions and you determine you are ready to proceed...

These are the most common source documents for a Full Documentation loan (1% - 3%+ down): 

1. Tax Returns for 2021 & 2022

2. Income & Employment for 2023:

   • If self-employed: verification of business being active.

   • If a W-2 employee: then the latest 30-days of pay stubs will do

3. Alternative Documentation can use 12-24 month bank stmts. instead of tax returns (10% down).

4. Bank Statements: most recent 2-months if a W-2 employee. 

5. ID: two forms, usually driver's license and social security.

6. Application: please call me to complete over the phone (fastest) or fill in via website.