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If Purchase Application Include The Following Documentation
- 30 days pay stubs(If applicable)
- Copy of last 2 years W'2s or tax returns with all pages and schedules (if applicable)
- Copies of award letters for additional sources of income for things like social security, pension.(if applicable)
- Two months asset statements for checking, savings, stocks, 401k, etc. All pages (if applicable)
- Copy of your driver's license
- Copy of sales contract
- Copy of down payment check
There are 2 FHA Refinance programs: The difference is if you wish you receive cash back at
closing
1. A Traditional FHA refinance allows for cash out - include the following paperwork
- 30 days pay stubs(If applicable)
- Copy of last 2 years W'2s or tax returns with all pages and schedules
- Copies of award letters for additional sources of income for things like social security, pension.(if applicable)
- Two months asset statements for checking, savings, stocks, 401k, etc. All pages (if applicable)
- Copy of your driver's license
- Copies of current mortgage statement, home owners insurance info, original Owners Title Policy to receive a
credit towards the new policy, survey, deed, and lease agreements for investment properties if applicable.
2. "Streamlined FHA" refinance - No Cash Out is allowed so you may only refinance the existing
mortgage and closing costs - include the following paperwork
- Copies of current mortgage statement, home owners insurance info, original Owners Title Policy to receive a
credit towards the new policy, survey, deed, and lease agreement if applicable.
You will not need the following paperwork
-No pay stubs
-No W-2 forms or tax returns
-No income or employment verification
-No Cash Out
-No termite report
-No appraisal is required unless the closing costs are wrapped into the loan
- 30 days pay stubs(If applicable)
- Copy of last 2 years W'2s or tax returns with all pages and schedules (if applicable)
- Copies of award letters for additional sources of income for things like social security, pension.(if applicable)
- Two months asset statements for checking, savings, stocks, 401k, etc. All pages (if applicable)
- Copy of your driver's license
- Copy of sales contract
- Copy of down payment check
There are 2 FHA Refinance programs: The difference is if you wish you receive cash back at
closing
1. A Traditional FHA refinance allows for cash out - include the following paperwork
- 30 days pay stubs(If applicable)
- Copy of last 2 years W'2s or tax returns with all pages and schedules
- Copies of award letters for additional sources of income for things like social security, pension.(if applicable)
- Two months asset statements for checking, savings, stocks, 401k, etc. All pages (if applicable)
- Copy of your driver's license
- Copies of current mortgage statement, home owners insurance info, original Owners Title Policy to receive a
credit towards the new policy, survey, deed, and lease agreements for investment properties if applicable.
2. "Streamlined FHA" refinance - No Cash Out is allowed so you may only refinance the existing
mortgage and closing costs - include the following paperwork
- Copies of current mortgage statement, home owners insurance info, original Owners Title Policy to receive a
credit towards the new policy, survey, deed, and lease agreement if applicable.
You will not need the following paperwork
-No pay stubs
-No W-2 forms or tax returns
-No income or employment verification
-No Cash Out
-No termite report
-No appraisal is required unless the closing costs are wrapped into the loan
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FHA Loan Documentation
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