​in Dallas 2014

 D Magazine's

 Best Mortgage Professionals in

Dallas 2012

All Borrowers

  • Copies of W-2s for the past two years
  • Copies of the two most recent consecutive pay stubs showing year-to-date earnings
  • Copies of checking and saving account statements for past three months (all pages)
  • Copies of quarterly or semi-annual statements for checking, savings, IRAs, CDs, money market funds, stocks, 401k, profit sharing, etc.
  • Copy of sales contract when ratified
  • Employment history for the previous two years (address any gaps of employment)
  • Residency history during the past two years, with name, phone number, address and account number of land or mortgage company; for rental property, copies of leases
  • Canceled earnest money check when it clears or corresponding bank statement, if applicable
  • Commissioned income – if 25% or more of base, must have tax returns
  • Check for the expense of appraisal and credit report
  • Refinance copy of note, deed of trust, settlement statement, survey and insurance information
  • Any assets used for down payment, closing costs and cash reserves must be documented by a paper trail
  • If paid off mortgage in the past two years, need copies of HUD1
  • Copy of driver’s license for applicant and co-applicant
  • Copies of your past two years’ tax returns
  • Copy of Social Security Card for each applicant and co-applicant.

Self-Employed Borrowers

  • Copies of your past two years’ tax returns (with all schedules, including K-I's if applicable)
  • Copy of current profit and loss statement and balance sheet
  • Copy of corporate/partnership tax returns for last two years if owning 25% or more of company plus copies of W-2s and/or 1099 forms.

Documents That May Be Needed

  • Relocation agreement if move is financed by employer (i.e. buyout agreement plus documentation outlining company-paid closing costs benefits)
  • If you've had a previous bankruptcy, bring copies of petition for bankruptcy and discharge, including supporting schedules
  • Divorce decree (if applicable)
  • Documentation supporting monies received from Social Security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter or evidence income will continue.

Documents Needed For FHA/VA Loans

  • FHA: Copy of Social Security Card and driver's license for each applicant and co-applicants
  • VA: Original certificate of eligibility and copy of DD214 discharge paper
  • VA: Name and address of nearest living relative.


documents you need to apply for a loan








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