Required Documents

  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Three most recent monthly bank statements
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
  • Photocopies of any stocks or certificates of deposits
  • Copy of 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
  • A letter of explanation for any known credit problems

Also, the following documentation is also generally required.

For a refinance:

  • A copy of the deed, and most recent tax bill

For a Purchase:

  • A signed purchase contract
  • Realtor contact information
  • Condo Association contact information.

For a VA Loan:

  • DD Form 214 (Long Form)

If you are divorced:

  • A fully executed divorce decree

If you are self employed, employed in sales, paid by commission,or own rental real estate:

  • 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

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.

Phone: 435-228-6684 | Fax: 801-907-7036
Willow Creek Lending (NMLS# 42022) | 152 W. 1280 N., F6, Tooele, Utah 84074