What You’ll Need to Apply

The following documents may be requested to obtain a new mortgage loan:

Additional items (such as tax returns for self-employed borrowers, or a note and deed of trust for a refinance) may be required. Your loan officer will provide a specific list for your loan.

Why do you need so many documents?

Because underwriting has to verify rather than assume. Most requests trace to a specific rule about income, assets or identity. If a request seems unnecessary, ask — we would rather explain it than have you guess.

Do DSCR loans require tax returns?

Generally no. DSCR loans qualify on the property’s rental income rather than your personal income, which is why investors use them. Documentation still applies, it is simply different documentation.

Can I send documents by email?

Please use the secure upload rather than email. Loan files contain the kind of personal information that should not sit in an inbox, and secure transfer protects you as much as us.

What slows a file down most often?

Documents arriving in pieces over several weeks. A file where everything lands at once moves materially faster than one assembled gradually, because underwriting reviews the whole picture rather than re-reviewing repeatedly.