Mortgage Loan

If you are self-employed, a mortgage loan can be approved when other business loan options might be very challenging to get approval.

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Appraisal & Land surveys may be required
If your down payment is 20% or less, many lenders require that you purchase Private Mortgage Insurance
Early Payment Discounts
Long term options

Full tax returns for the last two years
Year-to-date Profit and Loss statement
K-1’s for all partnerships and S-Corporations for the last two years
If your ownership position is 25% or greater: Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120).

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Copy of signed sales contract including all riders
Verification of the deposit you placed on the home
Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved
Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)

Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)
K-1’s for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1’s are not attached to the 1040.)
Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

Sale of your existing home – provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
Savings, checking or money market funds – provide copies of bank statements for the last 3 months
Stocks and bonds – provide copies of your statement from your broker or copies of certificates
Gifts – If part of your cash to close, provide Gift Affidavit and proof of receipt of funds
Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation

Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements
Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years
If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation
Check to cover Application Fee(s)

After completing the pre-application form at the top of the page we will be in touch with the next steps. Get approved quickly!