Document Checklist2018-11-26T16:37:57+00:00

“NEW” Limited Document Underwriting

Your RTC Mortgage loan officer will run your file through our Automated Underwriting System to determine if you are eligible for a limited document loan. It may be possible for you to qualify for a loan with as little as a photo I.D., a pay stub, and a bank statement.

document checklist

Ask your RTC loan officer if a limited document loan is possible for your purchase or refinance.

Streamlined underwriting is not available for foreign borrowers and portfolio loans.

Standard Pre-Approval Document Check List

  • Two forms of government-issued ID (driver’s license, passport, social security card, etc.)
  • Two years most recently-filed W-2s and/or 1099s
  • Two years most recently-filed federal tax returns
  • Current pay stubs to cover most recent 30-day period
  • Additional income source documentation: social security, pension, interest/dividend, child support, alimony, etc.
  • If divorced, please provide all pages of the divorce decree
  • Current/Previous landlord contact information
  • Current mortgage statements for all financed properties owned
  • If taxes and insurance for properties owned are not impounded, please provide copy of tax and insurance bill(s)
  • Rental agreements for all investment properties not listed on schedule “E” of tax return
  • Two months most recent and consecutive bank statements (all pages)
  • Two months most recent and consecutive statements for all other asset accounts, i.e. brokerage, stocks, bonds, 401K, IRA, miscellaneous retirement accounts, etc. (all pages)

**Please identify from which account(s) your down payment will be drawn.

To complete a loan application online, you must get pre-qualified.

If you are self-employed: (as applicable)

  • Two years most recently-filed corporate, partnership or business tax returns for all businesses in which you hold more than 25% ownership interest
  • Year-to-date profit and loss statement and balance sheet for all businesses owned
  • Current business license or letter from accountant to validate minimum two years self-employment

To complete a loan application online, you must get pre-qualified.