Required Documents

The documents listed below are a guide to the documents needed for a fully documented loan. MortgageWorks offers many programs that require less documentation, such as one of our 'No Doc, Low Doc, or Stated Income programs. Upon approval, one of MortgageWorks representatives will talk to you about documents needed for your particular loan choice.

• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Three most recent monthly bank statements
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Photocopies of any stocks or certificates of deposits
• Copy of the purchase and sale 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 deed, and most recent tax bill
• A letter of explanation for any known credit problems

  For self employed borrowers, employed in sales, paid by commission.

• 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 .

Self employed and lower documentation mortgages are our specialty. If you have any concerns about documentation needed, please contact us for a free, no-obligation consultation.