Speed Up The Mortgage Process
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Be prepared to provide the following typical items:
- The final purchase contract for the house (if applicable).
- Pay stubs for each applicant, showing earnings for the last 30 days and year-to-date earnings. (These must be computer-generated or typed originals that identify the employer and the employee's name.)
- Last year's W2 and 1099 for each applicant. If you're self-employed, the mortgage company may require your personal and business tax returns for the previous two years and your company's year-to-date Profit and Loss statement.
- Account numbers for all bank accounts, along with account statements for the past two months.
- Information about debts, including loan and credit card account numbers and the names of your creditors.
- Evidence of your mortgage or rental payments, such as canceled checks.
- An irrevocable gift letter if you are receiving a monetary gift from a relative.
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