Full Income Refinance

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An application package for a re-finance loan must contain the following items prior to underwriting and written approval:

1.Copy of Deed:  Copy of C of O should accompany  this package so that we can get a jump on your paralegal work

2. Financial Information:

a) If Salaried, 2 years W-2’s and most current pay stubs for one month. If not salaried, 2 years tax returns (including corporate if applicable).

b) Most current 3 months bank / brokerage statements (all pages) for all personal accounts that you have.

3. If you own property / or rent:

a) Copy of your current mortgage bill showing escrows for taxes and insurance. If no mortgage, then a copy of the tax bill showing annual taxes and insurance bills showing annual premium.

b) If property is a condo / co-op, proof that maintenance is paid on time.

c) If you are a tenant / rent: 12 months canceled checks or a letter from the land lord / management showing that rent is paid on time.

d) Rental Properties: we need a copy of the lease agreement.

4. Application Fee: $600.00 check made payable to Hamptons Mortgage Corp.

5. Misc:

a) Letter explaining or proof of discharge for any and all derogatory credit terms

b) (if applicable) Copy of Divorce Decree or separation agreement.

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