Items needed to expedite the loan process. Documents needed to apply for a swimming pool mortgage loan – second or third. California Equity & Loan

Home Improvement Loan Checklist

In order to expedite your loan, please provide the following items:

Property Information

Coupon or Statement from Current 1st Mortgage Lender.

If you have recently refinanced or purchased your home, copy of the Final Settlement Statement, also known as the "HUD-1".

Income

Verification of income as stated on application:

	Two most current pay stubs for each Applicant
	2007 and 2008 W-2s

If you own more than 25% of a business:

Corporate or partnership tax returns for 2007 and 2008.

If self-employed:

	2007 and 2008 Tax Returns with all schedules.
	Year-to-Date Profit and Loss Statement prepared by an accountant.

If you own rental property:

Tax returns for the last two years and current rental agreements.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

If you are counting child support as income:

	Copy of divorce settlement.
	Copy of twelve months of cancelled child support checks.

Debts

Explanation of credit report anomalies, including:

	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
	Bankruptcy or Foreclosure within last ten years.

Miscellaneous

Signed Home Improvement Contract

Declarations page of Homeowner's Insurance Policy

Our Team is Ready When You Are!

Items can be faxed:

(800) 696 0706
Attn: Underwriting

or Emailed:
SecureDocs@
CaliforniaEquity.Com