Documents needed for an FHA loan

The following is needed to begin the loan process. Please contact us for assistance in starting your FHA loan.

Application and Borrower's Authorization

• A signed application, known as a 1003
• A signed Borrower's Authorization

Employment Information

• Two years W-2's, 1099's, etc.
• Most recent pay stubs.
• If Applicable: Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement.

Savings Information

• Two recent months of complete bank statements for any and all accounts with all pages.
• Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.

Credit Information

• Most recent statements from your bills, indicating minimum payments and account numbers.
• Name, Address, and Phone number of your landlord, or 12 months cancelled rent checks.
• If Applicable: Should you have no credit, copies or your most recent utility bills will be needed.
• If Applicable: Copy of complete Bankruptcy and Discharge Papers.
• If Applicable: If you co-signed for a mortgage, car, credit card, etc, need 12 months cancelled checks. front and rear, indicating you are not making payments.

Personal Information

• Copy of Drivers License.
• Copy of Social Security Card.
• If Applicable: Copy of complete Divorce, Palimony, Alimony Papers.
• If Applicable: Copy of Green Card or Work Permit.

If a Refinance or you own Rental Property

• Copy of Note & Deed from current loan.
• Copy of Property Tax Bill.
• Copy of Hazard (homeowners) Insurance Policy.
• Copy of Payment Coupon for current Mortgage.
• If Applicable: If property is multi-unit, need Rental Agreements.