Pierpont Bay Realty 2419 Harbor Blvd. Suite 144 Ventura, CA 93001 Office Phone: (805) 901-0195 Fax: (805) 765-4977 Email: judy.pierpontbay@gmail.com
Property Information (if you already have a contract on a house)
•Purchase Agreement
•Copy of legal description and MLS sheet
•If you are selling your current home, copy of listing contract
•If you have sold your current home, copy of settlement statement (HUD-1)
Income & Assets
•Pay stubs for the last 30 days
•Statements for each bank, mutual fund, and/or investment account for the last three months
•Estimated value of personal property and furniture
For the past two years:
•Names and addresses of each employer
•W-2s or proof of income
If you have made any large deposits to your accounts: (If large deposit was a gift, you may need to provide documentation)
•Explanation and source for deposit
•Signed gift letter (lender can supply)
•Copy of gift check
•Copy of deposit receipt
If you own more than 25% of a business:
•Corporate or partnership tax returns
•Tax returns for the last three years (with schedules)
•Year-to-Date Profit and Loss Statement prepared by an accountant
If you own a rental property:
•Tax returns on the property's income for the past two years
•Current rental agreements
If you are retired:
•Pension Award Letter
•Income information
•Financial Statements
If you receive Social Security:
•Social Security Award Letter
If you are counting child support as income:
•Copy of divorce settlement
•Copy of twelve months of cancelled child support checks
For Each Debt and/or Debt Account:
•Account Name
•Account Number
•Account Address For Payment
•Balance Owed
•Current Monthly Payment
Explanation of credit report anomalies, including:
•Late payments
•Credit inquiries in the last 90 days
•Charge-offs
•Collections
•Judgments and/or liens
•Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers) VA Loans
•Copy of DD Form 214
•Report of Separation
Miscellaneous
•Photo ID
•Proof of Social Security Number
•Residence addresses for the past two years
•Divorce decree, if applicable
•If you are not a citizen, a copy of the front and back of your green card
If you have any questions, comments or concerns please fill out the form below, we would love to hear from you.