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NMLS# 243348
Full-Service Loan Originators
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BUYER'S EDGE 2025
ITEMS YOU WILL NEED
THE LOAN Lady Home Loans
WILL TAKE YOU THROUGH
THE ENTIRE PROCESS OF THE LOAN
MEET YOUR CALIFORNIA MORTGAGE LOAN OFFICERS
ITEMS YOU WILL NEED
Borrower(s) Information
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Borrower(s) names as they are to appear on the Deed
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Social Security Number(s)
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Driver's License(s) or other Photo ID's
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Home Address(es) for the past 2 years
Employment / Income
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Paycheck stubs for the last 30 day
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W-2's and Personal Tax Returns for the last 2 years
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If self-employed or commissioned, personal and/or business tax returns with schedules for the last two years (year-to-date profit and loss statement and balance sheets may be required)
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Employment information for the past 2 years including employer, job title, tenure and employer's address.
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Social Security or retirement benefit award letters
Asset / Bank Statements
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Most recent 2 months statements (all pages) from banks or other financial institutions
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Source of any non-payroll deposits (order copies through your bank)
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Provide balances for each checking, savings, retirement and asset accounts you have
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Full executed gift letter and proof of transfer (if applicable)
Real Estate Owned
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Property addresses for all real estate you own
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Mortgage loan statements for all mortgages
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Other insurance and HOA statements for all properties
Other information
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Copy of bankruptcy filing and discharge (if applicable)
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Purchase property information with sales contract and addendums
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Copy of divorce decree and proof of child support (if applicable)
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12 months canceled rent checks or management company contact information (if applicable)
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Certificate of Eligibility and DD214 for Veterans
Additional Items needed
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Signed Credit Authorization Form
I initially spoke to Ax who reached out right away upon my inquiry.
There was follow up by Joanna and when I emailed her with a concern she got right back to me .
Noel, D from Monterey, California
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