Required Documents

  • Copy of most recent two (2) years W-2 statements
  • Copy of pay stubs covering the last (30) thirty days
  • Copy of most recent monthly bank statements
  • Copy of most recent statements on 401K, IRA, or Mutual Fund Accounts
  • Copy of most recent brokerage statement for any stocks, bonds or certificates of deposits (or copies of actual certificate) 
  • Copy of the purchase agreement
  • If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord
  • If divorced…a fully executed divorce decree
  • For a refinance...a copy of the mortgage deed, and most recent property tax statement
  • For self employed borrowers, employed in sales, paid by commission, or owns rental real estate: two (2) years signed personal tax returns - including all schedules.  If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.

 
PHH Home Loans, LLC, 1 Mortgage Way, 3rd floor, Mt. Laurel, NJ 08054. NMLS ID #4256 (www.nmlsconsumeraccess.org) Arizona Residential Mortgage Licensee #BK 0907270; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Regulated by the Colorado Division of Real Estate; Illinois Residential Mortgage Licensee #MB.6759865; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Licensed Mortgage Banker - NYS Banking Department; Equal Housing Lender.      
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