Documents Needed

• Past two (2) years W-2 statements and Two (2) years signed Federal personal tax returns – all schedules and K-1’s.
• Pay Stubs covering the last thirty (30) days.
• Current 1099 for Social Security income. Most recent (2) months bank statements & Investment accounts.
• Most recent transaction summary of 401k & IRA.
• Copy of the Purchase Agreement. (if a purchase)
• For a refinance, a copy of the Deed, and most recent tax bill.
• Copy of FULL Trust Agreement, if your property will be or is in a trust. (Short Form is not acceptable to State of Hawaii attorney’s)
• If you own 25% or more of any corporation, partnership or LLC, please provide the last two years federal tax returns.
• Copy of property tax statements, homeowner association statements and insurance statement showing annual/semi-annual costs if your current mortgages are not impounded. If impounded, please provide current mortgage statement.

Please remember that lenders look at your financial picture, “once in 30 years” so a thorough review is required. Please know that we will do our best to keep the paperwork required to a minimum but there are times when one piece of paper may lead to additional documentation. Your understanding is appreciated.