Subject line: Document Checklist for Mortgage Application – W-2 Employee
Dear [Applicant’s Name],
Congratulations on taking the first step towards securing your dream home! As your Mortgage Loan Officer, I’m thrilled to assist you throughout the loan application process. To expedite your application and ensure a smooth transaction, I kindly request the following documents from you as a W-2 employee:
1. Proof of Income:
– Two most recent pay stubs (covering at least 30 days)
– W-2 forms for the past two years
2. Employment Verification:
– A verification letter from your current employer confirming your position, employment status, and income.
3. Financial Documentation:
– Two most recent bank statements for all checking, savings, and investment accounts
– If applicable, documentation for any other sources of income (e.g., bonuses, overtime, commissions, rental income, etc.)
– Valid government-issued photo ID (e.g., driver’s license, passport)
5. Proof of Residence:
– Current utility bill or a copy of your lease agreement
6. Credit Information:
– Authorization to run a credit check
7. Other Documents:
– If you are a first-time homebuyer, any relevant paperwork for down payment assistance programs or grants
Once you have gathered these documents, please submit them securely through our designated portal [Provide portal link] or email them to [Your Loan Officer’s Email Address]. If you have any questions or need assistance with any part of the process, feel free to reach out to me.
Please note that timely submission of the required documents will help expedite the underwriting process and bring you closer to getting approved for your mortgage.
Thank you for choosing Divito Lending as your lending partner. We are committed to making your homeownership journey as smooth as possible.
Mortgage Loan Officer
[Your Contact Information]