Below is the list of documents you need to apply for Purchase loan:


Refinance Loan Timeframe.·

- Up to 4 weeks

Refinance Loan Closing costs.

- Closing costs range between 1 and 3 % of loan amount typically
- No cost option is available for some customers
- Most loans require no out-of-pocket expenses during the loan process

Documents needed for Refinance Loan.

- W-2 for the previous 2 years
- Paystubs covering 30 days period
- Homeowners' insurance information (agent's name and phone number or Insurance Declarations page)
- Recent Mortgage Statement for ALL properties owned (REOs)
- Copy of unexpired Driver's License or state-issued ID

+ Self Employed Borrowers only (defined as 25% or more ownership in a Company):

- Business tax returns for the previous 2 years
- Business Licenses covering a 2 year period
- 2 Years K1's and W2's as applicable 

+ If Applicable:

- Disability Award Letter
- SSI Award Letters
- Pension Award and Continuance Letters