Generic Checklist: 查收入贷款需要文件
1) Loan Application (Form 1003) 贷款申请
2) Copy of driver license of all borrowers 所有借款人驾照copy
3) If green card or EAD card holders, provide front and back copy of the green cards or EAD cards 绿卡或者工卡正反面
4) Most recent 2 months bank statements 最近2个月银行账单（首付）
5) Most recent 2 months 401K and stock investment statements (if any) 最近2个月401K账户账单以及股票账单（如果有的话）
6) Most recent mortgage statements on all financed properties 名下所有房产最近一个月房贷月结单
7) Evidence of valid fire insurance on all owned properties 名下所有房产房屋保险
8) Current HOA bills (if any) with HOA management contact showing 名下所有房产最近一个月HOA statement
9) Current lease agreement for all rental properties 所有出租房的现有lease
10) Borrower’s authorization form (credit report & appraisal report) 授权书用于order信用报告以及估价报告

If you are wage earner, please also provide: （W2员工）
1) Most recent 2 years W2’s 最近2年W2
2) Most recent 2 years 1040 federal tax return with complete pages 最近2年个人税表全部页数
3) Most recent 1 month pay stubs 最近30天工资单

If you are self-employee, please also provide: （自雇人士：包含1099或自己公司）
1) Most recent 2 years 1040 federal tax return with complete pages 最近2年个人税表全部页数
2) Most recent 2 years K1 for all businesses 最近2年公司发的K1表格
3) Most recent 2 years business tax returns (1065, 1120 or 1120S) for all businesses with ownership of 25% or more 最近2年公司税表 （占股25%或以上）

If you are retired, please also provide: （退休人士）
1) If receiving SSA, provide award letter to show monthly receipt 如果拿SSA，请提供award letter
2) If receiving pension, provide monthly stubs 如果拿pension，请提供月收入单
3) Most recent 2 years 1040 federal tax return with complete pages 最近2年个人税表全部页数

If you are doing PURCHASE, please also provide: （买房）
1) Fully executed purchase contract 完整买卖合同
2) Escrow and Real Estate agent contact information (names, emails, phone #) 公证行以及地产经纪联系方式 （名字，电话，email）

Non-QM Checklist: 不查收入贷款需要文件
1) Loan Application (Form 1003) 贷款申请
2) Copy of driver license of all borrowers 所有借款人驾照copy
3) If green card or EAD card holders, provide front and back copy of the green cards or EAD cards 绿卡或者工卡正反面
4) Most recent 2 months bank statements 最近2个月银行账单（首付）
5) Most recent 2 months 401K and stock investment statements (if any) 最近2个月401K账户账单以及股票账单（如果有的话）
6) Most recent mortgage statements on all financed properties 名下所有房产最近一个月房贷月结单
7) Evidence of valid fire insurance on all owned properties 名下所有房产房屋保险
8) Current HOA bills (if any) with HOA management contact showing 名下所有房产最近一个月HOA statement
9) Current lease agreement for all rental properties 所有出租房的现有lease
10) Borrower’s authorization form (credit report & appraisal report) 授权书用于order信用报告以及估价报告

Bank Statement Program 银行账单项目
1) Most recent 12 months business/ 1099 income bank statements 最近12个月公司或者个人银行账单

Profit & Loss Program 公司损益表项目
1) Last year and YTD business Profit and Loss 去年以及今年公司损益表

VOE Program 工作确认项目
1) Employer Name, address, phone number 工作单位名字，地址，电话
2) Borrower's job title, and working history 贷款人工作职位，以及工作历史

DSCR 租金

Foreign National 外国人项目
1) Loan Application (Form 1003) 贷款申请
2) Copy of passport, I-94 and valid VISA 护照首页，I94，以及美国在有效期内的签证
3) Borrower must have U.S. address when applying for loan 申请贷款前必须要有美国地址
4) Most recent 2 months bank statements 最近2个月银行账单（首付），如果钱还没在美国，需要放款前由国外自己账户电汇到美国
5) Foreign country Employer Name, address, phone number 国外工作单位名字，地址，电话
6) Most recent mortgage statements on all financed properties 名下所有房产最近一个月房贷月结单
7) Evidence of valid fire insurance on all owned properties 名下所有房产房屋保险
8) Current HOA bills (if any) with HOA management contact showing 名下所有房产最近一个月HOA statement
9) Current lease agreement for all rental properties 所有出租房的现有lease
10) Borrower’s authorization form (credit report & appraisal report) 授权书用于order信用报告以及估价报告