If you are Purchasing a home which will be your Primary Residence or Refinancing an Owner Occupied Property,  
 THE FOLLOWING WILL BE REQUIRED

 
NATIONALS OR LEGAL RESIDENTS

EMPLOYED BORROWER  -     PURCHASE OR REFINANCE

  1. Credit Report Authorization and CC Charge Forms  Click Here
  1. Copy of ALL Borrowers     VALID Driver Licenses or State  ID  *     Green card Legible copy both sides
  1. Copy of ALL Borrowers official Social Security Cards SIGNED  (not metal cards)
  1. Last Two (2) years signed personal federal Income Tax returns     ALL PAGES
  1. Last two (2) years W2
  1. Last 30 days Paystubs
  1. Last two (2)     months of bank statements from all accounts, ALL PAGES
  1. Copy of, most recent IRA, 401k or other or saving/investment plan statements  ALL PAGES

:        8)   Condominium, information including name, address and phone number of the Association contact and          the insurance coverage Agency contact.  Copy of Payment coupon.

PURCHASE ONLY: 1)     Complete, executed Contract for Purchase and Sale with ALL Riders, Signed & Initialed  by all Parties Including Evidence of Earnest Money Deposit

      2) Copy of Multiple Listing Service “FULL” form Report of the Property.

3) Name, telephones, email addresses of al REALTORS Or OWNERS involved in the transaction

  1. Copy of Insurance Policy Estimated Quote

REFINANCE ONLY

  1.  Current loan information-payment, statement or complete lender name, address and account number
  1. Copy of Warranty Deed.     
  1. Copy of Title Insurance Policy   
  1. Copy of Survey
  1. Copies of Declaration (4) Pages of HO, Flood and Windstorm Insurance Policies (if any)

 

 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,

If Applicable:A-If graduated from high school or college within the last 2 years include a copy of diploma,

B-Gift for down Payment, contact me 786-262-6486,   for an official gift letter.
 C-Bankruptcy within 10 years please provide a complete copy of bankruptcy documents and discharge.
 D-Foreclosure or Short-Sale, documentation and Date of Sale

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

    `      F- Green card Legible copy both sides

  G- If DIVORCED, copy of divorced decree or separation agreement, including proof of Child support payments for last 12 months.

    

Other: __________________________________________________________________________________  

Note: Other documents might be required.

 ***************  

 

SELF - EMPLOYED BORROWER  - PURCHASE OR REFINANCE

  1. Credit Report Authorization and CC Charge Forms     Click Here
  1. Copy of ALL Borrowers  VALID Driver Licenses or State ID  *  Green card Legible copy both sides
  1. Copy of ALL Borrowers official Social Security Cards SIGNED  (not metal cards)
  1. Last Two (2) years signed personal federal tax returns      ALL PAGES
  1. Last two (2) years 1099
  1. Profit and Loss Statement YTD, including income statement and balance sheet.
  1. Last TWO (2)  months of bank statements from all accounts, ALL PAGES.  ALL BORROWERS
  1. *If a Corporation, two years signed corporate returns ALL PAGES,  and year-to date Financials

*If a Partnership, two years signed partnership returns ALL PAGES, and year-to-date financials
 
*If a Sole Proprietorship, year to date Profit and Loss Statement incl. an income statement and balance sheet.

  1. Copy of, most recent IRA, 401k or other saving/investment plan statements  ALL PAGES
  1. If condominium, information including name, address and phone number of the Association contact and the insurance coverage Agency contact.  Copy of Payment coupon if any.

PURCHASE ONLY:    Complete, executed Contract for Purchase and Sale with ALL Riders, Signed & Initialed  by all Parties Including Evidence of Earnest Money Deposit  

  1. Copy of Multiple Listing Service “FULL” form Report of the Property.
  1. Name, telephones, email addresses of al REALTORS or OWNERS involved in the transaction
  1. Copy of Insurance Policy Estimated Quote

REFINANCE ONLY

  1.  Current loan information-payment, statement or complete lender name, address and account number
  1. Copy of Warranty deed.     
  1. Copy of Title Insurance Policy  
  1. Copy of Survey
  1.   Copies of Declaration Pages (4) of HO, Flood and Windstorm Insurance Policies ( if any)

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,

If Applicable:A-If graduated from high school or college within the last 2 years include a copy of diploma,

B-Gift for down Payment, contact me 786-262-6486,   for an official gift letter.
 C-Bankruptcy within 10 years please provide a complete copy of bankruptcy documents and discharge.
 D-Foreclosure or Short-Sale, documentation and Date of Sale

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

    `      F- Green card Legible copy both sides

       G- If DIVORCED, copy of divorced decree or separation agreement, including proof of Child support payments for last 12 months

Other:__________________________________________________________________________________  

    Note: Other documents might be required




Great Florida Lending, Inc

2828 Coral Way, Ste. 470
Miami, FL 33145