Required Documents

• Completed Full Residential Mortgage Application
• Signed Disclosure Set
• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Two most recent monthly bank statements
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Photocopies of any stocks or certificates of deposits
• Copy of the purchase and sale agreement
• If you are currently renting....either 12 months canceled rent checks or the name and address of your current landlord
• If divorced...a fully executed divorce decree
• If title is in a trust... complete trust documents or Certificate of Trust 
• Copy of Driver's License, State I.D. or Passport.
• A letter of explanation for any known credit problems

  For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

• Two (2) years signed personal tax returns - including all schedules
• If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation. Complete documentation can be faxed to (415)771-5444 or mailed to: Home Lending Company, 180 Redwood St. #350, San Francisco, CA 94102 for review.