Document Check-OFF For Home Loan

 (Just get all available years for your records) - https://www.irs.gov/individuals/get-transcript (You can get them mailed or you can get them online ** Request the account transcripts and the tax transcripts 

 You will need the full record- not a partial records - You can order with our office. Full record just $20 ( Emailed within 48 hours if file available )

 You will need full divorce decree paperwork signed by judge

 https://www.ssa.gov/ - You will need the physical card- they will not just accept the number 

 You will need the physical card- they will not just accept the number 

 Provide the last 3 months worth of statements prior to submitting application to lender  (Make sure to not have any NSF (Non Sufficient Funds) records on the statements 

Current Child Support Order 

Please Provide Documentation of any additional income you receive outside of your self employment statements or as a W2 employee

 (For all accounts you have -Checking and Savings (Provide the last 3 months worth of statements prior to submitting application to lender) 

Please start a monthly budget of all of your bills 

 (They will need a printout with your fixed monthly amount listed from the official website of the company servicing your loan. ** Note: As of 2017- You can no longer use a income based repayment plan if you apply for a USDA or FHA loan- You will have to be on a fixed amount that does not change year to year. The processing of this can take up to 2 months to have finalized- so start this atleast 2 months before applying for loan 

You cannot be in default and you will be required to be on a payment plan with IRS. You can do this online- https://www.irs.gov/pa…/payment-plans-installment-agreements 

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

 If any tax liens or other derogatory items on your credit report require further explanation, you’ll be required to provide full documentation for each derogatory instance. 

Please Provide  W2 forms for all jobs worked in the past two years 

 All pages of personal federal tax returns for the past two years 

 If you’re receiving gift funds, your lender will require all donors and receivers to sign a gift letter verifying the gift isn’t a loan. Some lenders want to see the donor’s accounts for verification of the donor’s ability to gift, and some only want to see the funds being received in your account.