Items Needed to Qualify

(Refinance or Purchase)

  • Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
  • 2 forms of identification
  • Copy of current Mortgage Statement
  • Proof of Homeowners Insurance (HOA if applicable)
  • Names/addresses/ contact numbers for of employers for two years
  • W-2s for two years
  • Two years of tax returns (all schedules)
  • A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker
  • Bank statements for two to three months (all pages)
  • If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
  • Proof of pension income, if applicable
  • Social Security and Disability payments, if applicable
  • Dividend earnings
  • Child support or alimony payments (optional for you to disclose)
  • Information on debts such as car loans, student loans and credit cards
  • Security accounts (stocks, bonds, life insurance)
  • Mortgage statements for all real estate owned (leased agreements if applicable)
  • Copy of the purchase contract (new purchase only)
  • ALL ITEMS CAN BE FAXED TO 480-393-4015 OR EMAILED TO AHORNE@TRUEMORTGAGELAONS.COM