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Pierpont Bay Realty
3639 Harbor Blvd. Suite #104
Ventura, CA 93001
Office Phone: (805) 901-0195
Fax: (805) 765-4977
Email: judy.pierpontbay@gmail.com

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Loan Application Requirements

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

Pierpont Bay Realty
3639 Harbor Blvd. Suite #104
Ventura, CA 93001
Office (805) 901-0195
Email: judy.pierpontbay@gmail.com

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