Required documents for a US mortgage

For all mortgage transactions 

• Employment/income information 
  • For UN staff: 
    • A copy of the most recent salary statement(s) for a one-month period 
    • A copy of your Personnel Action Letter 
    • December year-end salary statements for the past two years 
  • For non-UN staff: 
    • A copy of the most recent salary statement(s) for a one-month period 
    • A copy of your two most recent W-2 forms 
  • For retirees: 
    • A copy of your Pension Award Letter or two months’ bank statements showing the deposits 
    • A copy of your Social Security Award Letter or two months’ bank statements showing the deposits 
  • For borrowers that are self-employed: 
    • A copy of the past two years’ complete business and personal tax returns, including all schedules 
    • Year to date profit and loss for the company 
• Assets 
  • Copies of two months’ bank/brokerage statements with all pages attached 
    • All large deposits must be explained and include a paper trail. 
    • You do not need to include UNFCU statements. 
• For non-US citizens: A copy of the front and back of your Green Card or unexpired visa 

For all purchase transactions 

• A copy of the fully executed contract of sale and all riders 
• A copy of the front and back of the canceled down payment check, along with a copy of the complete bank statement showing that the funds have been taken from your account 
• A copy of the signed gift letter, if applicable 
• A letter from your landlord verifying your monthly rent, length of time renting, and that payments have been made on time, or 12 months’ canceled checks/bank statements along with a copy of your rental lease, if applicable 
• Contact information for appraisal 

For all refinance transactions 

• A copy of the homeowners insurance policy 
• A copy of your real estate tax bill 
• For refinancing a mortgage from a lender other than UNFCU: A copy of your current mortgage statement and a copy of the recorded deed 

For condos and co-ops 

• A copy of the insurance for the condo or co-op project 
• A copy of the most recent two years’ financial statements for the condo or co-op 
• A copy of the most recent budget for the condo or co-op 
• A letter from management agent stating what your monthly maintenance payment is and that it is current 
• Fully completed Condo/Co-Op Questionnaire (provided by UNFCU) 
• For new construction condos: A copy of the offering plan 
• For refinancing a co-op: A copy of the stock certificate and proprietary lease