Document checklist generator
The paperwork that causes delays, listed before it causes them. Tell us which side of the transaction you are on and we will build a printable checklist for your situation rather than a generic one.
This generator needs JavaScript, which is not running right now. The short version for a financed buyer: photo ID, 30 days of pay stubs, two years of W-2s and tax returns, two months of bank statements with every page, and a written explanation for any large deposit. For a seller: photo ID, your mortgage payoff figure, the property tax bill, permits for any work, and the disclosure package.
The full guide goes through all of it, or call 619-987-6543.
Your checklist
Standard transaction paperwork, not a statement of what your particular lender or escrow company will require. Underwriters ask for what they ask for - treat this as the head start, not the final word.
The two that hold everything up
Every page of every bank statement, including the ones that say "this page intentionally left blank". Underwriting rejects partial statements, and the request usually comes back a week later.
An explanation for any large deposit. Money that appears without a paper trail has to be sourced before a loan can close - and "it was a gift from my parents" needs a gift letter and evidence of the transfer, not just the sentence.
Documents you'll need covers the rest, including what not to do between pre-approval and closing.
General information, not legal or financial advice. Requirements vary by lender, loan type and transaction.
Want a hand getting this together?
Send us where you are and we will tell you what your lender and escrow company are most likely to ask for first - and what usually causes the delay.
Would rather just talk? 619-987-6543.