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Residential Lending
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Conventional Loans - 30year, 15 year, Fixed and Adjustable
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FHA - just 3.5% down payment
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VA - 100% financing to our veterans
Loan Docs Needed.
Financials
[ ] Last 2 Years PERSONAL Tax Returns - ALL PAGES
[ ] Last 2 Years W2’s (if applicable)
[ ] Last 2 Years BUSINESS Tax Returns – ALL PAGES and
Schedules (if applicable)
[ ] If Self Employed - YTD Profit and Loss
Income
[ ] Last 30 Days of Pay Stubs
[ ] Child Support or Alimony - Court Ordered (if applicable)
[ ] Social Security Award Letter (if applicable)
[ ] Proof of Retirement (if applicable)
[ ] Rental Income – Copy of leases – Should show on
Schedule E of Tax Return
Assets
[ ] Last 2 Months Personal Bank Statements - ALL PAGES
Checking, Savings, 401k, IRA, Stocks, Ect.
[ ] If Self Employed - Last 3 Months of Business Bank Statements - ALL PAGES
Other Docs
[ ] Copy of Driver’s License (Clear Copy)
[ ] Copy of Social Security Card / Resident Alien
[ ] Divorce Decree (if applicable)
[ ] Bankruptcy Paperwork (if applicable)
[ ] Real Estate Owned - For all property
- Copy of ALL recent Mortgage Statements
- Copy of ALL Insurance (if not escrowed)
- Copy of ALL Tax Bills (if not escrowed)
- Copy of recent HOA/Condo Statement (if applicable)
Additional Docs Required “IF” REFINANCE
[ ] Copy Homeowners Insurance
[ ] Copy of ALL Mortgage Statement
[ ] Copy of Owner’s Title Policy and Survey
Scan and Email a copy of these items to me in PDF format to steve@lendingbysteve.com
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Commercial Lending
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SBA Deals - 7A Program, 504 Program
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USDA Deals
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Government Deals - FHA Apartments, FHA Healthcare Section 232/223
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FNMA/FHLMC
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Conventional Deals - Office, Retail, industrial, Hotels, Conveinence Stores, Gas Stations, Apartments, ect
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Niche Deals - Churches, Hard Money Bridge, Stated Deals
Items Needed
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Last 3 Years BUSINESS Tax Returns - ALL PAGES
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YTD Profit and Loss
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Commercial Loan Proposal Summary Sheet

Must be completed by all Commercial applicants.