Forms & Documents
Know what to gather before you apply.
Start with a short inquiry if you are exploring your options. The full application is a separate, more detailed step. Nicolas will confirm which documents your review needs.
Gather first. Share securely when requested.
The checklist below is a preparation guide, not a requirement to send everything now. Requirements vary by loan and borrower situation.
Do not email Social Security numbers, bank statements, or identity documents. Use the secure upload instructions provided for your application. If you are unsure where to upload, contact Nicolas.
Income & Employment
- Recent pay stubs (last 30 days)
- W-2s (last 2 years)
- Federal tax returns (last 2 years, if self-employed or commissioned)
- Employer name and contact information
Assets & Down Payment
- Bank statements (last 2 months, all pages)
- Retirement or investment account statements
- Gift letter, if any funds are gifted
Identification & Credit
- Government-issued photo ID
- Social Security number
- Authorization to run credit
Property Details
- Signed purchase agreement (for a purchase)
- Most recent mortgage statement (for a refinance)
- Homeowners insurance contact and property tax bill
Self-employed, an investor, or a foreign national? Your file may call for additional documentation — Nicolas will confirm exactly what is needed once he reviews your scenario.
Next step
Ready to get started?
Start with a short pre-approval request, or jump straight into the full application if you are ready.
Citadel R&C Inc · DRE 02164531 · NMLS 2286403. Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.