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At First Capital, we strive to make your borrowing experience as positive as possible. One of the key factors to ensuring a smooth transaction is preparing a complete loan package.

To assist us in this process, please gather the following documents for your mortgage consultant:

General Documentation Requirements:

  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Three most recent monthly bank statements, all pages (including pages left blank)
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
  • Photocopies of any stocks or certificates of deposits
  • If a purchase, provide a copy the purchase and sale agreement
  • If you are currently renting, either 12 months canceled rent checks or the name and address of your current landlord
  • If divorced, a fully executed divorce decree
  • For a refinance, a copy of the deed, and most recent tax bill
  • A letter of explanation for any known credit problems
     

For our clients who are self employed, employed in sales, paid by commission, or own rental real estate, these additional items are required:

  • Two (2) years signed personal tax returns - including all schedules
  • If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

 

Please Note: there are many products and programs available. The exact documentation requirements will depend on which loan you choose