Documents Required to apply for a Mortgage - NATIONALS

Please DO NOT send any documents required until I request them from you

Employed

  1. Complete, executed Contract for purchase and sale signed by all Parties.  (Purchase only)
  2. Copy of ALL Borrowers  VALID Driver Licenses or State ID (Faces must be recognizable)

    3. Copy of ALL Borrowers official Social Security Cards SIGNED  (not of  metal cards)

4. Last Two (2) years signed personal federal tax returns   

5. Last 30 days  pay stubs

6. Last two years W2.       .    

7. Two months of bank statements from all accounts to verify liquid funds

8. Copy of available, and most recent IRA, 401k or other saving/investment plan statements.

9. Current loan information-payment, statement or complete lender name,

        address and account number.

   10. . Copy of declaration Pages of Hazard and Flood Insurance Policies

11. If condominium, information including name, address and phone number of the

Association contact and the insurance coverage company contact.  Copy of Payment coupon.

12. If divorced, copy of divorced decree or separation agreement, including proof of

Child support payments for last 12 months.

    13. Cashiers Check/Credit Card Charge for $495.00 made to BMS Corp. non refundable application fee.

14. Explanation letter needed

A-On any credit inquiries, slow pays, collections,

           charge-off, judgment or bankruptcies.

B-If you have a gap in a employment of more than 30 days in the last 2 years.

C-Any large deposits in excess of $1,500 deposited into any account being used in the transaction,

15.. Miscellaneous Items (if applicable)

A-If you’ve graduated from high school or college within the last 2 years include a copy of your diploma,

B-Gift for down Payment, contact Juan Luis Rodriguez-Kohly. Loan Originator 786-262-6486 GFL Inc.. for an official gift letter.
C- Divorce: Copy of Divorce Decree and Property Settlement Agreemnt

D-Bankruptcy within 10 years please provide a complete copy of bankruptcy documents and discharge.

E-Copy of Warranty deed. (refinances only)

F-Copy of title policy. (refinances only)

G-If Renter: From Corp.: Name Address and Tel. of Landlord; If from Person: copy of last 12 months cancelled checks   

         H- Green card Legible copy both sides

Other: ______________________________________________________________________________

 

************  

Self employed 

1.   Complete, executed Contract for purchase and sale signed by all Parties.  (Purchase only).       

2.   Two years signed personal federal tax returns.

3.   If a corporation, two years signed corporate returns and year-to date

Profit and Loss Statement including income statement and balance sheet.

If a Partnership, two years signed partnership returns and year-to-date

Profit and Loss Statement including statement and balance sheet. If a

Sole Proprietorship, year to date Profit and Loss Statement including an

income statement and balance sheet.

4.      Three months of bank statement from all accounts to verify liquid funds available,

5.     
Most recent IRA, 401k or other saving/investment plan statements.

6.   Current loan information payment booklet statement or complete lender name, address and account number.

7.   If condominium Association information including name, address, and phone number at the association contact and the insurance coverage company contact.

8.   If divorced, copy of divorced decree or separation agreement, including proof of Child Support payment for last 12 months.

9.   Explanation letter needed:

a- On any credit inquiries, slow pays, collections, charge-off, judgments or bankruptcies.

b-If you have a gap in employment of more than 30 days in the last 2 years.

c-Any large deposits in excess of $1,500 deposited info any account being used in the transaction.

9. Miscellaneous items:

a-If you have graduated from high school or college within the last 2 years include a copy of your diploma.

b-Gift for down payment, contact Juan Luis Rodriguez-Kohly. Loan Originator 786-262-6486 for an official gift letter.

c-Bankruptcy within 10 years please provide a copy of bankruptcy discharge.

d-Copy of Deed. ( if refinance)

e-Copy of title policy. (if refinance)

Other: __________________________________________________________________________________ 

          

__________________________________________________________________________________

Thank you for your bussiness  Muchas Gracias por su patrocinio.

Sinceramente,  Sincerely,

Juan Luis

Juan Luis  Rodriguez-Kohly

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