Loan Documents

Rick Valdez, Loan Officer, NMLS #105548

2026 Mortgage Document Checklist


PURCHASE – Self-Employed

  • 2024 & 2025 personal federal tax returns (all schedules)
  • 2024 & 2025 business tax returns (if applicable)
  • 2024 & 2025 W-2s (if applicable)
  • Most recent 30 days of pay stubs (if applicable)
  • 60 days of bank statements + retirement/asset statements


PURCHASE – W-2 Earners

  • Most recent 30 days of pay stubs
  • 2024 & 2025 W-2s
  • 60 days of bank statements + retirement/asset statements


REFINANCE – Self-Employed

  • 2024 & 2025 personal & business tax returns
  • 2024 & 2025 W-2s (if applicable)
  • Most recent 30 days of pay stubs (if applicable)
  • Most recent mortgage statement
  • Insurance agent contact information


REFINANCE – W-2 Earners

  • Most recent 30 days of pay stubs
  • 2024 & 2025 W-2s
  • Most recent mortgage statement
  • Insurance agent contact information


ITIN Program

  • ITIN assignment letter
  • Government-issued ID
  • 2024 & 2025 tax returns and/or W-2s
  • WVOE or 30-day pay stubs
  • 60 days bank statements
  • Down payment requirement: 10%–20% (program dependent)


Manufactured Homes (In Park – ITIN)

  • Minimum 5% down payment
  • Self-employed borrowers are only eligible for in-park mobile home financing under this program


IMPORTANT

  • If 2025 returns are not yet filed, prior-year returns may be required with a YTD Profit & Loss statement
  • If not filed by the IRS deadline, provide a copy of your extension