Florida Homes Mortgage
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Gather these documents before you apply to speed up your loan approval and close faster.
When you are planning for a mortgage application, one of the most important steps you can take before you apply is to gather the documentation you may need to supply with your application. Which loan you select will determine the exact documentation requirements. As soon as we have all your documentation from you, the loan will close fast and you will have what you deserve.
After you submit your application, we'll call you to talk about the type of loan you have chosen. Then you will be sent a Disclosure package that includes several items that you will need to sign, and a list of documents that you will need to send in.
Collecting the necessary documentation in advance will save you significant time in the loan process. It is possible that you may need additional documents depending on your situation and the type of loan. We will inform you if additional documents are necessary.
If move is financed by employer — buyout agreement and company-paid closing costs documentation.
Copies of petition for bankruptcy and discharge, including supporting schedules.
If applicable for alimony, child support, or asset documentation.
Bank statements, awards letter, evidence income will continue.
When an LLC applies for a loan to purchase investment property, lenders focus on both the LLC's financial health and the personal guarantees of the owners.
Articles of Organization
Operating Agreement
EIN (Employer Identification Number)
Profit & Loss Statement
Balance Sheet
Bank Statements (3-6 months)
LLC Tax Returns (Form 1065 or Schedule C)
Personal credit reports
Personal tax returns (2 years)
Personal bank statements
Key Notes: Lenders may require higher down payments for LLCs (20-30%+), interest rates may be higher, and newer LLCs may need stronger personal guarantees.
A mortgage preapproval helps you understand the affordability of a house by specifying the loan amount a lender is willing to offer based on your financial details.
Gather your documents, get pre-approved, and let me guide you through the entire process — from application to closing day.
Let me help you navigate the mortgage process with confidence and ease!
"I was overwhelmed by the mortgage document requirements. Miguel gave me a clear checklist and told me exactly what I needed. I gathered everything in one weekend and the process flew by."
"Miguel reviewed all our documents before submission. He caught missing items and helped us organize everything. We never felt lost or confused. His attention to detail saved us from delays."
"Miguel's document checklist was a lifesaver. He told us what to gather, how to organize it, and even reviewed everything before sending to the lender. We got approved quickly with no back-and-forth."
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