REQUIRED ITEMS FOR W-2 BORROWERS 

                                            OWNER OCCUPIED

•  2 Most recent check stubs
•  Last 2 years W-2’s
•  Last 2 years tax returns
•  3 months banks statements.
• Borrower depending on the lender should have 3 months’ equivalent of the required mortgage payment  satisfactory to the underwriter's standards (P.I.T.I. Principle Interest Tax and Insurance), seasoned in reserves for 90 days.
• The required down payment in a bank account for 2 to 3 months.
•  3 lines of credit proven on credit report for 2 years. 
•  2 years on the job. There can be an exception for time on the job if     you’ve just graduated from college.
•  A Trimerge Credit report at the request of the Mortgage Loan Originator.

                                        NON-OWNER OCCUPIED

•  2 Most recent check stubs.
•  Last 2 years W-2’s
•  Last 2 years tax returns
•  6 months banks statements.
• Borrower depending on the lender should have 6 months equivalent of the required mortgage payment satisfactory to the underwriter's standards (P.I.T.I. Principle Interest Tax and Insurance), seasoned in reserves for 180 days.
• The required down payment seasoned in a bank account for 3 to 6 months.  
•  3 lines of credit, proven on credit report for 2 years.
•  2 years on the job. There can be an exception for time on the job if you’ve just graduated from college.
•  A Trimerge Credit report at the request of the Mortgage Loan Originator.

Any person applying for a  mortgage loan must have a Physical Drivers License or a Government Issued Identification and a Physical Social Security.

DISCLAIMER: Each lending scenario (Loan product) may differ. For a definitive needs list, please inquire for specifics.