Purchase Checklist

Checklist for Required Documents‚Äč

Ensure you have the necessary information and documents ready when applying for your mortgage.

Information:

  • Full legal name, Social Security number, Date of Birth
  • Primary phone number, email address, and current/former residential addresses over the last two years
  • Gross income details, including primary, second, and part-time jobs, overtime, bonuses, and commissions (if applicable)
  • Secondary income sources and amounts (e.g., retirement benefits, disability payments, alimony, child support, rental or investment income)
  • Names, addresses, and phone numbers of all employers over the past two years
  • Value of bank accounts, retirement, investment, and other assets
  • Current expenses such as housing, credit card, loan payments, child support, and other obligations

Documents:

Your mortgage professional will request the following documents, with potential additional requirements as your application progresses:

Income / Employment / Assets:

  • Completed, signed, and dated IRS Form 4506-T (Request for Tax Transcript)
  • Pay stubs for the last 30 days with year-to-date information (for all applicants)
  • W-2s for the past two years
  • Federal tax returns (1040s) for the past two years
  • Written explanation if employed less than two years or if there is an employment gap within the last two years
  • Most recent two months’ statements for all listed accounts on the application (all pages)

Credit:

  • Explanation letter for late payments, collections, judgments, or other derogatory credit items
  • Documentation for large deposits not from payroll or gift funds
  • Judicial decree or court order for obligations due to legal action (lawsuit, judgment, child support)
  • Bankruptcy/discharge papers for any past bankruptcies
  • Payment history for utilities, phone, cable, car insurance, and other expenses

For Self-Employed Applicants:

  • Complete copies of personal and business federal tax returns for the last 3 years
  • Year-to-date profit and loss statement
  • List of all business debts

Other:

  • Legible copies of Driver’s License and Social Security card Special Note:
  • If you are a servicemember on active duty, consult your legal advisor regarding potential loss of benefits under the Servicemembers Civil Relief Act or applicable state law before refinancing your existing mortgage loan.

This information is provided as a courtesy. We do not guarantee its accuracy or completeness and assume no liability for its use.

EMAIL ADDRESS

Info@amerifundcorporations.com

Phone

(714)713-0321

ADDRESS

17155 NEW HOPE STREET FOUNTAIN VALLEY, CA 92629

OFFICE HOUR

MON-FRI 8:30AM - 5:30PM (PST)