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ESSpeak with Len.
Tell me what you’re considering. We can review the numbers and your options together.
Tell me about your plans.
Share a few details so we can make our first conversation useful.
Get the essentials together.
Each applicant gathers their own documents. Mark what you have, then check the situations that apply to you.
Start here.
Your loan may need a little more.
Open the topics that sound like your situation.
Tax returns
The past 2 years of federal returns if your loan program or circumstances call for them.
Self-employed
Personal and business tax returns, bank statements and business records as requested.
Variable, retirement or rental income
Records showing amount and continuity. For rentals, have leases and property statements ready.
Gift funds or large deposits
A gift letter and proof of the source or transfer, depending on the loan program.
VA loan
Certificate of Eligibility or service details so it can be obtained.
Under contract or refinancing
For a purchase, the signed contract when you have it. For a refinance, your current mortgage statement and tax and insurance details.
We can talk first. This is a preparation guide; actual requirements depend on the program and each applicant.
You do not need every document to request a Loan Estimate. Share sensitive documents only through the secure application, never through the contact form or ordinary email. CFPB application checklist