Documents needed to start the Application:

• Fully Executed PA, Seller’s Disclosures, Agency Disclosure, Lead Based Paint Disclosure, MLS listing & All addendums. (signed by all parties).
• Front & Back of the borrowers Driver’s License.
• 2 latest pay stub.
• 2 latest bank statement with all the pages (even if its blank).
• Valid H1B1 docs (all pages) OR Green Card/EAD (front & back).
• Personal tax returns (1040) for 2017 & 2016 with all the schedule and K1 if any.
• 2017 & 2016 W2.
• Business Tax for 2017 & 2016 (If Any with K1)
• Homeowners insurance Declaration Page (After you get the appraisal report & 10 days before the closing).
• Investment Home – Mortgage statement, Tax Bill & Insurance Declaration page (IF ANY).

Please Note:

• Appraisal fees will be charged upfront by the lender.
• Please don’t give any notice to vacate your current apartment / home unless we close the new Home. Also lender don’t accommodate auspicious day for closing.
• If there are any deposits other than the salary in your bank statement please send us a trail of them.
• Lender’s only accept electronic doc. So please send all your doc via Email (as PDF attachment) or fax. Pl note that doc’s should be not password protected.
• During the loan process inform us immediately if there is any change in employment.
• Don’t open any new line of credit during the loan process.
• Your spouse will be needed at the time of closing, even if they are not on the mortgage.
• During the loan process, don’t transfer money/Consolidate funds till we say OK to it.
• If you have a house in INDIA, which you are showing in your US tax return, then we will need the Mortgage Statement & Tax bill for last 2 years.