Applying for a Florida mortgage should not take long. Please provide the following documents so that we can process your loan quickly.
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Verification of Employment and Income
Personal tax returns for the past two years, including all schedules and W-2s
Paycheck stubs for most recent 30 days
Retirement and/or Social Security Award letter(s) for most recent year
Bank statements, all pages even if blank, for the past two months or last quarter
Tax bill, homeowner’s insurance policy, and mortgage statement for all real estate owned
things to consider
If Self-Employed
Business tax returns for the past two years, including all schedules
If You Are Purchasing
Fully executed purchase agreement including addendums
Copy of earnest money deposit check
If You Are Refinancing
Copy of warranty deed
Copy of title insurance policy
Survey
Homeowner’s insurance policy
Flood insurance policy if applicable
If Applying for a Construction-to-Permanent Loan
Plans, specs, and details of all costs, provided by builder
Copy of construction contract
Copy of deed and/or owner’s title insurance policy of property owned
Copy of the closing statement if land was purchased within the past six months, or copy of purchase contract for vacant land if closing on land will occur simultaneously with new Construction-to-Permanent Loan.
