Requested Documents

We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application.  Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan. 

The following documents may be requested to obtain new mortgage loan:

  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Two most recent monthly bank statements
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
  • Photocopies of any stocks or certificates of deposits
  • A letter of explanation for any known credit problems
  • If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord

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.

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.

Open House Mortgage Corporation

NMLS # 1794858

2121 W. Airport Freeway, Suite 550
Irving, Texas 75062

Phone: 800-674-7720

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TEXAS - SML MORTGAGE COMPANY DISCLOSURE
IN TEXAS - "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."