Required Documents
Here’s a list of documents typically required for loan approval. It’s a good idea to start gathering them early to help avoid delays.
- Driver’s license(s): Scanned copies are best as resolution can be reduced in a photo copy/fax.
- Social Security card(s).
- If non-US citizen – copy of front/back of green card(s).
- Your paystub(s) covering the last 30 consecutive days (must include a year-to-date income).
- W-2 Forms for the last 2 years.
- Award letter for any social security and/or disability income. Should show income to continue for the next 3 years.
- Retirement award letters. Should show income to continue for the next 3 years.
- Last 2 years personal federal income tax returns with all pages and all schedules. These must be signed and dated.
- If you are self-employed, please provide a copy of any applicable licenses for your business.
- Last 2 months of bank statements. These must include all pages of the statement(s) even if the last page is blank. Internet copies are acceptable as long as they contain bank name, account number, your name and 60 days history. Statements with redacted information are not acceptable.
- Last quarterly statement for all listed other asset accounts. This will include 401(k), IRA, stock accounts, and mutual funds. Must include all pages of statement even if last page is blank.
- If you own other real property (rental or second homes). Please provide hazard insurance declarations page, property tax statements, leases, and a copy of the current mortgage on all properties.
- If applicable, a signed copy of your complete divorce decree.
- If you receive child support, alimony, or separate maintenance and wish this to be considered as income, provide proof of receipt for the last 12 months.
- If you have previous bankruptcy, a copy of discharge or dismissal paperwork.
- Fully executed sales contract completed by all parties (Realtors, sellers, and buyers) with all signed addendums ( any required documentation per said addendums).
- Proof earnest money deposit has cleared your bank. A picture of the cleared check (front and back) should be available through your bank’s online access.
- Copy of sales contract on existing home if you are selling current home.
- Most recent mortgage statement(s) for your current loan(s) for all properties.
- Hazard Insurance Information: a copy of your hazard insurance declarations page or provide the name, company, phone number, and policy number for your homeowner’s insurance. * The following items should be in the file you received after your last closing on this property.
- Copy of current Title Insurance policy and attached schedules. (If you can locate as it is not required).
- Copy of HUD Settlement Statement or Closing Disclosure from your last transaction.
- Recent Mortgage Statement
- Current Mortgage Note
- Homeowners Insurance Declaration Page
- Copies of Drivers License and Social Security Cards
- Copy of DD214 (VA Eligibility Form)
- VA Disability Letter (If Applicable)
- Second Mortgage Information (If Applicable)
- Homeowners Association Documentation (If Applicable)
- Recent Mortgage Statement
- Current Mortgage Note
- Homeowners Insurance Declaration Page
- Copies of Drivers License and Social Security Cards
- Copy of DD214 (VA Eligibility Form)
- Most recent two (2) months of bank statements (all pages)
- Most recent two (2) months’ pay stubs
- W-2 Forms from the past two (2) years
- Full 1040 Schedules from the past two (2) years (all pages)
- Assets documentation
- Trust agreement (If Applicable)
- VA Disability Letter (If Applicable)
- Second Mortgage Information (If Applicable)
- Homeowners Association Documentation (If Applicable)
*You’re not required to upload any documents prior to receiving a Loan Estimate.
Nikko Jones
NMLS# 2629219
Mortgage Loan Officer
Email: [email protected]
Call/Text: 743-330-1454
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NEXA Mortgage, LLC NMLS #1660690
NEXA Mortgage LLC is an Equal Housing Lender
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550
The department maintains a Recovery Fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the Recovery Fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the Recovery Fund, please consult the department’s website at www.sml.texas.gov
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