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Loan Checklist

In order to obtain your final loan approval, please prepare the items below that are pertinent to your loan scenario. Bring these items with you to your appointment with your loan consultant. Incomplete loan files will not be processed.
  • Less then Perfect Credit: - Apply Online
  • Copy of pay checks - 2 mos.
  • W-2 2004 and 2003
  • Any award letter, mutual funds or IRA statements, latest quarter or month.
  • 12 months of bank statements-all pages
  • Mortgage Coupon or Statements (Refinance Only)
  • Insurance Declaration Page (Refinance Only)
  • Copy of Drivers License or
  • Copy of Social Security Card
  • Letter of explaination of why there is "Less then Perfect" credit
  • REFINANCE DOCS NEEDED: - Apply Online
  • 2 Paystubs for the past 30 days
  • W-2's for the last 2 years (2004 and 2003)
  • Homeowners Insurance Policy (declarations page)
  • Recent (2) months bank statements-Checking and Savings (all pages)

  • PURCHASE DOCS NEEDED: -Apply Online
  • Copy of complete Sales Contract for home to be Purchased/copy of MLS listing (if applicable)
  • Recent (2) months bank statements-Checking and Savings (all pages)

  • Paystubs for the past 30 days> Borrower and Co-Borrower
  • W-2's for the last 2 years (2004 and 2003) for each
  • 1040's. 2003-2002 all pages and YTD P&L schedules for Self Employed Borrowers
  • Rental agreements for all rentals
  • Divorce papers if completed within last 12 months

  • For Stated Income Borrowers:

  • Copy of canceled Earnest Money Deposit check - or (Escrow Statement receipt)
  • 1 year paid hazard ins. policy
  • Current Employer: Name -address- phone number
  • CPA letter for self-employed- Stating 2 years in business
  • Same as above except NO INCOME VERFICATION
  • Will do a employment verfication
  • SELF-EMPLOYED BORROWERS: - Apply Online
  • Complete Tax returns all pages for 2003 and 2004 including Y.T.D. Profit/Loss Statement
  • Company tax returns or K-1's (all pages if you own more than 25% of the company)
  • Recent (2) months bank statements -checking and savings (all pages)
  • Most recent award statement showing stocks, bonds, retirement savings (all pages)
  • 1 year paid hazard ins. policy
  • Self Employed Stated:
    • Stated Income
    • Letter from CPA stating 2 yrs in business
    • The same documents, except for income documentation (700 + Fico Required)
  • No Doc loans for Investment Property 1-4 units
  • No Doc loans for 2nd Homes
  • Email or Call me with any Questions
    • NEW PROGRAM -
    • 660 Fico - Stated ....now available up to 1.5 million PRIMARY RESIDENCE, 80% Loan to Value

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Windsor Capital Mortgage of Aliso Viejo
8105 Irvine Center Drive
Suite 840
Irvine, CA 92618
Phone: 949.450.8237 Fax: 949.528.0131
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