Your loan documents will be slightly different depending on whether you're buying or refinancing a loan, or applying for a home equity loan.
| Buying/Refinancing | Home Equity Loan |
| If you're salaried: 2 years W-2s, 1 month paystubs If you're self-employed: 2 years tax returns, YTD profit/loss statement |
| If you own rental property: provide rental agreements and 2 years tax returns |
| 3 months bank statements for each bank, stock, and mutual fund account will speed up your approval Recent copies of stock brokerage or IRA/401K accounts | Copy of the note on your first mortgage (found in closing loan documents) |
| Signed letter stating what you'll do with any cash-out refinance. | Signed letter detailing what you will do with your home equity loan |
| Copy of divorce decree, if applicable |
| If you're not a US citizen: Copy of your green card (front and back) If you're not a permanent resident: H-1 or L-1 Visa |