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Document Checklist

The following documentation is required in order for us to provide you with a pre-approval at no obligation.

  • Two most recent pay stubs for all applicants
  • Last two years W-2's for all applicants
  • Most recent mortgage statement(s)
  • Photo ID for all borrowers: Drivers License or Passport
  • Declarations Page of Hazard Insurance (aka fire insurance)

Other documentation for specific situations:

  • If self employed, your federal tax returns for the past two years
  • If retired, retirement award letters and proof of receipt for the past two months
  • DD214 for all VA applicants
  • VA IRRRL - Promissory Note from your current loan
  • FHA Streamline - Promissory Note from your current loan
  • For purchases, proof of your down payment source (two months bank statements)
  • HOA Statement if you live within a Home Owners Association
  • Bankruptcy discharge papers if applicable


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Ladera Lending, Inc. NMLS #835555
555 Corporate Drive, Suite 215, Ladera Ranch, CA  92694
Toll Free:  (800) 556-1915