Gold Summit Lending
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  • More
    • Home
    • Residential Home Loan
      • APPLY NOW
      • Homebuying Process
      • Mortgage Calculator
      • Refinance Calculator
      • Pre-Approval
      • Loan Options
      • Document Checklist
    • Commercial Loans
      • Loan Options
      • Get a Quote Now
    • Contact Us
  • Home
  • Residential Home Loan
    • APPLY NOW
    • Homebuying Process
    • Mortgage Calculator
    • Refinance Calculator
    • Pre-Approval
    • Loan Options
    • Document Checklist
  • Commercial Loans
    • Loan Options
    • Get a Quote Now
  • Contact Us

Document Checklist

Common documents that are frequently asked for when applying for a loan

 

Income Verification

     ☐  W-2’s from current and past employers for 1 year

     ☐ Pay stubs 

     ☐ Income tax returns for last two years

     ☐ If you're self-employed

          – Profit and loss statements
         – List of business debts
         – Form 1099s

     ☐ Other sources of income

          – Alimony or child support

          – Investment income
         – Disability or Social Security Income


Assets and Debts (to Calculate Debt to Income Ratio)

     ☐ Two months of account statements

          – Checking and Savings

          – Investment Accounts

     ☐ Other Debt

          – Current Mortgage / Rent Payments ( 1 year )

          – Auto Loans

          – Student Loans


Credit Verification

     ☐ Authorization to check your credit report

     ☐ Permission to request a transcript of your tax return ( 4506-T ) 

     ☐ Credit explanation letter

          - Explaining any late payments, collections, judgements, or other items 

             not in good standing


Other Items

     ☐ Photo Identification

     ☐ Social Security Number

     ☐ Bankruptcy and foreclosure 

           - Discharge papers for any bankruptcies in credit history 

          - Proof that the property deed has been transferred for foreclosure

     ☐ Payment history 

          - Utilities, cellphone, cable TV, car insurance and other expenses

GOLD SUMMIT LENDING

PO Box 337057, Greeley, CO 80633

 Phone:  800.968.6099

Email:  GoldSummit@ChhorGroup.com

NMLS:   2085176  


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An Equal Housing Lender