PaperworkChecklistandaFewCautions

Below,youwillfindalistofdocumentationthatmostlendersrequiretoverifyahomeloanapplication
forpurchaseorrefinance.Thisisa"onesizefitsall"list,sonotallitemswillapplytoyou.Onlybother
withthosethatappeartoconcernyourfinances.However,ifindoubt,includeit.
PleaseProvideCopiesofthefollowing:
1. Copyofyourvaliddriverslicense,stateissuedI.D.card,orvalidPassport.DONOTFAX.
2. 3mostrecentandconsecutivepaystubsplusthenameandphonenumberofsomeoneatyour
employerwhocanverifyemployment.TypicallythispersonisinHR.
3. W2'sfor2012,2013and2014.
4. 2mostrecentandconsecutivemonthlystatementsforallchecking,savings,CD,moneymarket,
and/orsecuritiesbrokerageaccounts.Iwillneedallpagesofallthestatementseveniftheyare
lengthy.Screenshotsoraccountsummariescannotbeused.
5. 3mostrecentstatementforallretirementaccounts,(IRA's,SEPIRA's,401(k)'sor403(b)'s)
6. 2014TaxReturnsnotprovidedwillneedaFiledExtensionprovidedinstead.
7. 2012141040's(AllpagesofONLYtheFederalTaxReturnswithALLSchedules).
8. 201214K1sifyouareinapartnership)plus{2012131065s(partnershipreturns)ifyour
partnershipshareisgreaterthan24%,)
9. 2012141120sor1120Ss(corporateorSCorp.returns)ifapplicable
10. YeartoDateandsignedP&Lforselfemployedborrowersforthecurrentyearand2014.Ihavea
templateifyouneedone,orhavequestionsaboutcompletingone.
11. HomeMortgage(includingHomeEquityLineofCredit)and/orCommercialLoanbilling
statement,propertytaxandinsurancedeclarationpagesforallpropertiescurrentlyowned
12. Completebankruptcypapers,ifapplicable.
13. Acopyofyourtrustdocuments(TrustCertificationFormplusyourtrustifyouwouldliketohold
yourtitleunderyourlivingtrust.
14. Completedandsignedapplication(attached).Youcanprintthisdocumentandhandwriteinyour
information.
15. BorrowersCertification&Authorization(attached)sothatwecanrunyourcreditreport.
16. CompletedandsignedCreditCardPaymentformtopayforthiscreditreportwerun.
17. Divorcedecreeandsettlementstatement,ifdivorcedwithinthepast2years
18. IfyouarenotacitizenIwillneed:Acopyofyourresidentaliencard(frontandback),your
residentalienapplicationoryourH1BVisaplusacopyofyourpassport.

AFewCautions:Pleasenotifymeimmediatelyifyouhavedoneorplantodoanyofthefollowing:
1. Avoidmovingyourmoneyaroundfromoneaccounttoanother.Ifyouneedtomovemoney,
establishacompletepapertrailofthemoneyleavingoneaccountandenteringanother.
2. Anydepositsoflargeamounts(includinggiftmoneyfromrelatives)intoanyaccountabove10%
ofyourmonthlyincomeneedstobesourcedbymakingacopyofthecheckanddepositreceipt,
orthewiretransferorder.
3. Avoidmakingalargepurchaseoncreditorallowingyourcredittoberun,i.e.byacardealership.
4. Donotinitiateadisputewithacreditoranddonotcloseanycreditcardaccountsorcreditlines
callusbeforedoinganythingregardingyourcredit.
5. Avoidchangingjobsespeciallyifyouareinescrow.
6. Avoidextensivetravelduringyourescrowperiod.
7. Highlightingandstaplingarenotnecessaryastheydontworkwellwithourscanner.
YoumayemailmetheseinPDFtome,faxtomeorbringthemtomeinpersonsoIcanmakecopies.
PLEASEHANDSIGN/DATE/INITIALALLANDDONOTUSEDOCUSIGNOROTHERSIMILARPROCESS.

StevenM.Hook,YourFinancialConciergeNMLS#303544DRE#00987187
Cell:4152609376Direct:4158696131Email:thehook@opesadvisors.com

435 Pacific Avenue Suite 350 San Francisco, CA 94133 415-355-0000 www.opesadvisors.com
OPES Advisors is a Registered Investment Advisor with the SEC.
Residential Mortgage Lender, DRE 01458652