Many customers worry that they "may not be eligible for a loan."
Actually, as long as you're willing to provide the information first, we can help you evaluate the plan. 👍
📌 It's great if you have your documents prepared 📌 But don't worry if you don't know how to prepare them, we can teach you.
Generally, a mortgage requires two years of working income.
But there are other options:
✔️ Only view 1 year's bank statements
✔️ Review the company's profit and loss statement (P & L Statement)
✔️ DSCR for investment properties does not require income verification (in most cases)
Let's talk about it first, then I'll help you find the most suitable solution 😊
[Purchase of a House]
☐ Identification documents
Driver's license or passport
☐ Proof of income
Payslips for the last 30 days
W-2 or 1099 in the last 2 years
Self-employed: Complete tax returns for the most recent 2 years
☐ Proof of Assets
Bank statements for the last two months
Investment/retirement accounts (if applicable)
☐ Property documents
A purchase contract has been signed.
Proof of deposit payment (Earnest Money Deposit)
☐ Debt Information
Credit card/car loan/student loan (if any)
☐ Insurance
Home insurance quote (Insurance Quote)
Refinance
請準備以下文件：
☐ 身份證明
☐ 最近 30 天薪資單
☐ 最近 2 年 W-2 / 1099 或報稅表
☐ 最近 2 個月銀行對帳單
☐ 目前房貸對帳單
☐ 房屋保險證明
☐ 房屋稅單
☐ HOA 對帳單（如適用）
Investment Mortgage
Please prepare the following documents:
☐ Identification document ☐ Bank statements for the last two months ☐ Property tax return ☐ HOA statement (if applicable)
☐ Tenancy agreement or estimated rental report ☐ Purchase agreement (for investment properties) or current mortgage statement ☐ Home insurance ☐ Property tax return (if refinanced)
☐ LLC documents (if using a company name)
Most assessments are based on rent and do not require pay stubs or tax returns.