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Document Checklist

  • Document Checklist

Document Checklist

THE FOLLOWING DOCUMENTATION IS USUALLY REQUIRED DURING THE LOAN PROCESS:

  • Most recent 30 days of pay stubs from all jobs
  • Most recent 2 months of bank statements
  • Most recent 2 years of W-2s from all jobs
  • Most recent 2 years of Federal Tax Returns if you file a schedule C, E or F or claim employee business
  • expenses
  • Copies of state-issued picture ID

THE FOLLOWING ADDITIONAL DOCUMENTS MAY BE REQUIRED IF THEY APPLY TO YOU:

  • Bankruptcy discharge papers & copy of Bankruptcy Petition with all schedules if discharged in last 7 years
  • Foreclosure documentation (Sheriff Sale Deed)
  • Divorce decree if ongoing financial obligation or property award is involved
  • Social Security award letter
  • Income Award letters (social security, pension, VA disability)
  • Current 401k, IRA or investment account statement Mortgage offers a 3.5% and a 1.5% down payment option

IF YOU ARE A VETERAN APPLYING FOR A VA LOAN, THE FOLLOWING DOCUMENTATION WILL BE REQUIRED:

  • Copy of DD214 if discharged from the military within the last two years.
  • Copy of LES if using military pay to qualify
  • Proof of any additional military/VA pay

PLEASE KEEP IN MIND:
Documents must be submitted in their entirety. We always need consecutive documents.

If you have received a financial gift to help with your down payment, the donor will need to fill out a gift letter and provide a bank statement to verify they have sufficient funding.

NMLS# 112844

Headquarters:3088 Sheffield St. STE B Muskegon, MI 49441

Phone: (231) 737-9911

Email: frontdesk@pierpointmortgage.com

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