Paperwork Needed

At Evergreen 360, we’ve streamlined the mortgage process so you know exactly what to expect. Gathering your documents upfront allows us to move quickly, strengthen your offer, and position you for the best possible financing.

W-2 Wage Earners

If you’re employed by an employer and receive a W-2, here’s what we’ll need:

 Income Verification

• W-2s from all employers (last 2 years)
• 2 most recent pay stubs

Asset Documentation

• 2 most recent bank statements (checking & savings)
• 2 most recent investment account statements
• 2 most recent retirement account statements

 Background History

• 2 years of housing history
• 2 years of employment history

Self-Employed Borrowers

If you’re self-employed or own a business, we take a deeper look at your financials:

 Income & Business Documentation

• Personal tax returns (last 2 years – all pages & schedules)
• Business tax returns (last 2 years – all pages & schedules)
• Year-to-date Profit & Loss statement
• Year-to-date Balance Sheet

 Asset Documentation

• 2 most recent personal bank statements
• 2 most recent business bank statements
• 2 most recent investment account statements
• 2 most recent retirement account statements

 Background History

• 2 years of housing history
• 2 years of employment history

Why This Matters

Providing complete documentation upfront allows us to:

• Move your loan through underwriting faster
• Strengthen your negotiating power as a buyer
• Identify opportunities to improve your loan terms
• Help you close with confidence and clarity