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Documents Required
Thank you for selecting Pacifica Mortgage for your loan transaction. Depending on the type of loan program that we select, some of the items listed below may be needed to complete your loan application. Please rest assured that we regard all of your information as confidential, and we will use it with the utmost discretion necessary to obtain your loan.
  1. Personal Tax Returns for two most recent years (Federal only, include all schedules.)
  2. K-1 Statements for any limited partnership investments for two most recent years.
  3. W-2's for two most recent years.
  4. Most recent pay stubs covering a 30-day period from each applicant.
  5. Three most recent monthly statements for your: Savings, Checking, Securities, Money Market, Certificate of Deposit, IRA, and 401K accounts. (All pages, not just the 1st page.)
  6. Most recent mortgage statements on all mortgages.
  7. Leases on any rental properties.
  8. Trust Agreement if your property is in a trust.
  9. Divorce Decree or Separation Agreement, if applicable.
  10. For Purchase Transactions: Fully executed Purchase Contract and Escrow Instructions for property being sold and property being purchased.
  11. For Condominiums Only: CC&R's, By-Laws, Articles of Incorporation, the Homeowner's Association Financial Statement, Insurance Policy, and Fidelity Bond.
  12. For Renters Only: Name and address of Landlord or twelve months of cancelled rent checks.
  13. If you own more than 25% of any company: (1065) Partnership and /or (1120) Corporate Income Tax Returns including all schedules, statements, and addenda for the past two years on any business in which you are a principal.
  14. Unaudited, year to date financial statements (Balance Sheet and Profit and Loss Statement) for any business you own, personally held Corporation(s) or Partnership(s).
  15. Unmarried Co-Borrowers must complete a separate Uniform Residential Loan Application.
  16. After Pacifica Mortgage Co. receives your credit report, you may need to provide a letter explaining reasons for any recent credit inquiries or late payments on loans and credit reports.