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Required Mortgage Documents

Required Document Checklist for Self-Employed Borrowers

 

Self-Employed Borrowers

This checklist shows the documents we will need for processing your mortgage loan application. While additional information may be required after our preliminary review of your financial records, compiling these documents will help the initial processing of your application go as quickly as possible.

 

Self-Employed (Individual Filing)

 
Current business license (If applicable).
 
Last 2 years filed personal federal tax returns, including all schedules. All pages, including blank pages. No missing pages; screen shots not permitted.
 
Schedule K-1 if ownership is 25% or more, provide most recent 2-years. All pages, including blank pages. No missing pages; screen shots not permitted.
 
Most recent 2 months bank and asset statements. All pages, including blank pages.  No missing pages. Online transaction history allowed; screen shots not permitted.
 
Most recent Profit and Loss Statement showing year-to-date revenues and expenses (if applicable). All pages, including blank pages. No missing pages; screen shots not permitted.
 
Property’s Current Homeowners' Insurance declaration page, showing premium, coverage amounts and agent’s name and phone number.

 

Self-Employed (With Partnership Filing)

 
Current business license.
 
Last 2 years filed personal federal tax returns, including all schedules. All pages, including blank pages. No missing pages; screen shots not permitted.
 
If percentage of ownership on Schedule K-1 is 25% or more, provide copy of most recent 2-years. All pages, including blank pages. No missing pages; screen shots not permitted.
 
Last 2 years completed Partnership tax returns (1065). All pages, including blank pages. No missing pages; screen shots not permitted.
 
Last 2 months bank or asset statement.  All pages, including blank pages. No missing pages. Transaction history allowed; screen shots not permitted.
 
Most recent Profit and Loss Statement showing year-to-date revenues and expenses (If applicable). All pages including blank pages. No missing pages; screen shots not permitted.
 
Property’s Current Homeowners' Insurance declaration page, showing premium, coverage amounts and agent’s name and phone number.

 

Self-Employed (With Corporation Filing)

 
Current business license.
 
Last 2 paystubs with year to date earnings.
 
Last 2 years' completed personal federal tax return including all schedules. All pages, including blank pages. No missing pages; screen shots not permitted.
 
Last 2 years' completed Corporation tax return (1120(S)).  All pages, including blank pages. No missing pages; screen shots not permitted.
 
Last 2 months bank or asset statement.  All pages, including blank pages. No missing pages. Transaction history allowed; screen shots not permitted.
 
Most recent Profit and Loss Statement showing year-to-date revenues and expenses (If applicable).  All pages including blank pages. No missing pages; screen shots not permitted.
 
Property’s Current Homeowners' Insurance declaration page, showing premium, coverage amounts, agent’s name, and phone number.

Alimony, child support or separate maintenance income: include only if you are required to pay or using to qualify.

 

Submitting Your Documents

You may submit your mortgage documents in one of three ways.

1. Send secure email or fax to

510-512-1744.

2. Email or fax directly to your Loan Officer.

3. Mail to Imaging Department
PO Box 55756
Hayward, CA 94545-9981

 

 

Download Printable PDF

 
 

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