Women in Real Estate Funding
What you will be asked for
Nothing here is a hurdle we invented — it is what lenders ask for, written down before they ask so you can start gathering it while everything else is still being worked out. Most delays late in a file are a missing page from something on this list.
Everyone
- Driver’s licence or passport
- Social Security card
- Two most recent months of bank statements — every page, including the blank ones
- Two most recent pay stubs
- W-2 forms for the last two years
- Federal tax returns for the last two years
If you are self-employed or own a business
- Twelve months of business bank statements
- Business tax returns for the last two years
- A profit and loss statement for the current year
- Your business licence, if you hold one
If you are refinancing
- Your current mortgage statement
- The homeowners insurance declarations page
- The most recent property tax bill
- Details of any second mortgage or line of credit on the property
Sometimes asked for
- A letter explaining any large deposit that is not payroll
- A divorce decree or child support order, where either affects income
- Retirement or investment account statements
- A gift letter, if part of the deposit is a gift
Two things worth knowing
Every page, even the empty ones. Bank statements are the single most common thing sent back. If a statement says page 4 of 6, all six are needed.
Never send a Social Security number by text or ordinary email. If we need one, you will get a secure link. Money Penny will refuse to take it any other way, and that refusal is built into the system rather than left to her judgement.
When you are ready
Or text (954) 866-2171 if you would rather ask a question first.
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