The following checklist will facilitate your mortgage loan interview. The checklist includes most of the information that you and any co-borrower will need to supply.

In preparation for your loan interview, review the information below. We suggest you print this worksheet, then check each box after you’ve gathered the required data.

Social Security Number/Date of Birth

Most recent pay stub that shows year-to-date earnings.

W-2 Tax Forms

Original copies sent to you by the Internal Revenue Service for the past two years.

Employer Information

Names, addresses, and telephone numbers of employers for the past two years

Account Information

Account numbers and current balances of checking, savings, and any other accounts.

Current Assets

Individual Retirement Accounts (IRAs), CDs, stocks, bonds, etc.

Personal Property

Value of property that can include life insurance, retirement accounts, cars, etc.


Auto loans, student loans, credit cards, and other installment debt — provide name and address of each creditor and the monthly payment and total amount due.

Current and Previous Addresses

If you own a home: Bring the property address, current market value, mortgage lender name, account number, current monthly mortgage payment, and outstanding mortgage balance.

If you’re renting: Bring the property address, name and address of the landlord, current monthly rent, and previous address/landlords if you’ve lived in your current address for less than two years.

Agreement to Purchase

A signed copy and any amendments, a copy of the listing form for the property, the legal description of the property, and receipts for or down payment deposits.

There may be some special situations that require you to supply additional information. These include:

If you are self-employed or work on a commissioned basis, you should bring your federal tax forms for the past two years and a current year-to-date profit and loss statement.

If you are separated or divorced, you should bring a copy of your divorce decree and separation agreement. Also bring documentation on alimony or child support payments you are required to make or you receive as income. Proof of this income can be the clerk of court’s history of payments or canceled checks for the past year.

If you include pension, disability, Social Security, or other public assistance as part of your income, you’ll need to bring a copy of an award certificate or a check from the issuing agency.

If you have a bankruptcy, foreclosure, or any judgments against you over the past seven years, you’ll need to bring relevant information about the proceedings. Such information includes a copy of the bankruptcy discharge and schedule of both debts and assets. An attorney’s letter that discusses the outcome of the proceedings should be included if there are judgments against you.

Frequently Asked Questions

What is the lowest fico you accept ?

580 credit score

What is the minimum down payment?

10% on Jumbo and 5% for conventional

Do you have programs that don’t require tax returns?

Yes, bank statement and DSCR program and full stated program


I have been involved in the real estate industry for almost 30 years. I had a tough situation on my own loan that nobody I knew said they could get it done. I contacted Wes after receiving a mortgage email from him. He said he could do the refinance for me, gave me the terms & I was shocked that he could do what nobody did for me.

All the terms and costs were exactly as originally given to me. His team and assistant were always prompt to answer me. I would recommend him to all of my clients. I am currently a realtor in California and Arizona.

Marc & Ginny Stigen


Why Choose Us


Every program available to close a loan (Full Doc with low rates, Jumbo lending, Full stated products or Non-QM with bank statement program or DSCR program


Been in business since 2003 so have the knowledge of structuring hard to close loans


Upfront and tell it how it is

Start Your Loan Application

Ready to start your loan application process? Simply fill out this contact form and one of mortgage brokers will be in contact with you in a timely manner.

At The Funding Group we deliver the absolute best lending experience through knowledge, communication and care.

Our mission supports the growth and strength of our communities and provides a pathway to the dream of home ownership.


451 N Canon Dr Suite 1
Beverly Hills California 90210




(310) 903-2269

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