Document Checklist

What You'll Need to Apply

Getting your documents together early is the single biggest thing you can do to speed up your closing. Upload each item once through Floify, tracked and stored.

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Everyone Needs

Required for all loan applications

Valid government-issued photo ID (driver's license or passport)

Social Security Number

2 most recent months of bank statements (all pages, all accounts)

Most recent 30 days of pay stubs

W-2s from the past 2 years

Federal tax returns from the past 2 years (all pages and schedules)

Signed authorization to pull credit

Purchasing a Home

Additional docs for buyers

Fully executed purchase agreement / contract

Earnest money deposit receipt

Pre-approval letter (I'll provide this)

Gift letter (if using gift funds for down payment)

Proof of earnest money deposit source

Homeowner's insurance quote or binder

Refinancing

Additional docs for refi borrowers

Current mortgage statement(s)

Homeowner's insurance declarations page

Most recent property tax bill

Payoff statement from current lender (I'll order this)

Copy of note/deed if available

Self-Employed Borrowers

For business owners and 1099 contractors

Business tax returns for the past 2 years

Year-to-date profit & loss statement

Business license or articles of incorporation

12 or 24 months of business bank statements (for bank statement loans)

CPA letter confirming business is active (if applicable)

Real Estate Investors (DSCR)

For rental / investment property loans

Current lease agreement(s) for subject property

Rent roll or rental income documentation

Entity documents (LLC operating agreement, articles of organization)

Property insurance quote or current dec page

Property management agreement (if applicable)

Pro Tips to Keep Your Loan on Track

Upload documents as soon as you have them through Floify. Each item is tracked, so you'll never be asked for it again.

PDF format is preferred. Photos of documents are accepted but may delay processing.

Make sure bank statements show your name, account number, and all pages (even blank ones).

If you have large deposits (over $500), be prepared to provide a paper trail explaining the source.

Don't make any large purchases, open new credit accounts, or change jobs during the loan process.

Check your loan status page anytime to see what's been received and what's still outstanding. Full transparency.

Have Your Documents Ready?

Upload everything securely through our Floify portal. I'll review your file and reach out within 24 hours with next steps.

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