Required Documents

PURCHASE / REFINANCE TRANSACTION NEEDS LIST FOR
GOVERNMENT, CONVENTIONAL, AND REVERSE LOANS

General Documents (If multiple borrowers then we need for each borrower):

Copy of Driver’s License must be Legible and Clear
Copy of Social Security Card must be Legible and Clear
Copy of Green Card (If Applicable)
Certificate of Eligibility and DD-214 or Statement of Service (If Applying for a VA Loan)

Income Documents (If multiple borrowers then we need for each borrower):

Wage Earner:

Copy of most current Pay Stubs covering a 30 day period
Copy of the most current 2 years W’2’s
Copy of the most current 2 years Tax Returns (All Schedules, All Pages)

Self Employed:

Copy of most current 2 year Personal Tax Returns (All Schedules, All Pages)
Copy of most current 2 year Business Tax Returns (All Schedules, All Pages)
YTD Profit and Loss Statement

Retirement Income:

Copy of most recent Retirement Check (Social Security, Pension)
Copy of Social Security Award letter confirming continuance for 3 years or more
Copy of Pension Award Letter confirming continuance for 3 years or more

Asset Documents (If multiple borrowers then we need for each borrower):

Copy of most current 2 month Bank Statements all pages all accounts
Copy of most current 2 months Investment Accounts all pages all accounts
Copy of the most recent 2 months or quarter Retirement Accounts all pages all accounts

Purchase Transaction Documents:

Copy of Purchase Contract
Copy of Ernest Money Deposit Check and Copy of Bank Statement showing money coming out of the account
Contact information on all parties to the transaction (Listing Agent Info, Buyers Agent Info etc.)
Copy of Lease Agreements (If applicable and own other properties)

Refinance Transaction Documents:

Copy of the most recent Mortgage Statement
Copy of the Home Owners Insurance Binder
Copy of Promissory Note
Copy of Monthly HOA Bill (If Applicable)
Copy of Trust Documents (Only Applicable if Home is in a Trust)

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mbanc, a mortgage lender. Mortgage Bank of California dba mbanc. NMLS ID # 38232. Arizona Mortgage Banker License - License # 0943170. California - BRE Real Estate Corporation License Endorsement - License # 01521655. California - DBO Finance Lenders Law License - License # 60DBO45280. Colorado Mortgage Company Registration - regulated by the Division of Real Estate. Connecticut Mortgage Lender License - License # ML-38232. Florida Mortgage Lender License - License # MLD1287. Maryland Mortgage Lender License - License # 21870. Nevada Mortgage Broker License - License # 4646. New Jersey Residential Mortgage Lender License - regulated by the Department of Banking & Insurance. Texas - SML Mortgage Banker Registration - regulated by the Department of Savings and Mortgage Lending. Utah Mortgage Entity License - License # 10877496, 10826912, 10827018.

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