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Home Deck and Kitchen

SIMPLIFYING YOUR LOAN PROCESS

At Cinergy Mortgage LLC, we aim to make the mortgage loan process as smooth and stress-free as possible. To help us achieve this, we kindly ask you to gather all essential forms and documents before your appointment. Once we receive your paperwork, your Cinergy Mortgage Loan Officer will guide you through the next steps, including obtaining any necessary verification documents. Please note, additional documentation may be required during the underwriting process.

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Here’s a checklist of the information and documents you may need:

 

Personal Information

  • Photo ID

  • Proof of Social Security Number (e.g., Social Security card or W-2 statement)

  • Residence addresses for the past two years

  • Copy of green card (if applicable)

 

Employment

  • Pay stubs (last 30 days)

  • Employer names and addresses (last two years)

  • W-2s (last two years)

  • Tax returns (two years, required if self-employed)

 

Banking

  • Bank, mutual fund, and investment account statements (last three months)

  • For large deposits: explanation and source of funds. If it’s a gift, include:

    • Signed gift letter

    • Copy of gift check

    • Deposit receipt

 

Property Information (if under contract)

  • Purchase agreement

  • MLS sheet and legal description

  • If your current home is sold: settlement agreement

  • If your home is for sale: listing contract

  • Value of personal property and furniture

 

If You’re a Business Owner (25% or more ownership)

  • Corporate/Partnership tax returns

 

If You’re Self-Employed

  • Last two years of tax returns (complete, with all pages and schedules)

  • Current Profit and Loss statement (prepared by an accountant)

  • K-1s for the last two years (for S-Corps)

 

If You’re Retired

  • Pension award letter

  • Social Security award letter

 

If You Own Rental Property

  • Current rental agreements

  • Tax returns (last two years)

 

If You Receive Child Support as Income

  • Divorce settlement copy

  • Canceled child support checks (last 12 months)

 

If You’re Divorced

  • Divorce decree copy

 

If Applying for a VA Loan

  • Report of Separation and DD Form 214 copy

 

Debt Information

  • Details on current loans: names, addresses, account numbers, monthly payments, and balances (usually available on a credit report)

  • Credit report irregularities: credit inquiries (last 90 days), late payments, collections, judgments, liens, and charge-offs

  • Bankruptcies (filed within the last 7 years): copy of bankruptcy papers

 

By preparing these documents in advance, we can expedite the process and get you closer to your new home. Your dedicated team at Cinergy Mortgage LLC is here to assist every step of the way!

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