Residential Lending

  •  Conventional Loans - 30year, 15 year, Fixed and Adjustable​

  •  FHA - just 3.5% down payment​

  •  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)

 

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 Bank Statements - ALL PAGES

[  ] Checking, Savings, 401k, IRA, Stocks, Ect.

 

Other Docs

[  ] Copy of Driver’s License (Clear Copy)

[  ] Copy of Social Security Card / Resident Alien

[  ] Divorce Decree (if applicable)

Additional Docs Required “IF” REFINANCE

 

[  ] Copy Homeowners Insurance

[  ] Copy of ALL Mortgage Statement

[  ] Copy of Owner’s Title Policy and Survey

building construction

building construction

 Commercial Lending

  •  SBA Deals - 7A Program, 504 Program

  •  USDA Deals

  •  Government Deals - FHA Apartments, FHA Healthcare Section 232/223

  •  FNMA/FHLMC

  •  Conventional Deals - Office, Retail, industrial, Hotels, Conveinence Stores, Gas Stations, Apartments, ect  ​

  •  Niche Deals - Churches, Hard Money Bridge, Stated Deals​

Items Needed

  • Last 3 Years BUSINESS Tax Returns - ALL PAGES

  • YTD Profit and Loss

  • Commercial Loan Proposal Summary Sheet

Must be completed by all Commercial applicants.