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Document checklist

Know exactly what to send, and how fast we close.

We move fast, and a clear checklist keeps it that way. Pick your situation and get the list that fits.

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  • Fast closingsA clear plan from application to keys
  • 24 hoursApply online any time
  • No contract neededStart before you find a home

Your list

Build your list

Choose purchase or refinance, then tap everything that applies to you. Your list updates as you go and keeps your checkmarks on this device.

Start with these four, in your first 48 hours

  1. Government photo ID
  2. Last 2 months of bank statements, every page
  3. Last 30 days of pay stubs and 2 years of W-2s
  4. Last 2 years of tax returns, all pages
I am
My situation (choose all that apply)
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Send documents through your secure loan portal. Do not email Social Security or account numbers.

Guidelines differ by loan program and investor. Your loan officer confirms your final list on your first call.

Timeline

From application to keys

A 14-day close is possible when documents arrive early and every step lands on time. The Closing Disclosure must reach you at least 3 business days before you sign, so it sets the pace.

Timeline for
  1. Day 1

    Apply and start

    YouApply and upload your documents.
    TW TeamSend your disclosures and place orders.
    Appraiser and titleAppraisal and title are ordered.
  2. Days 2 to 4

    Review and submit

    YouAnswer questions the same day.
    TW TeamReview your file and submit it to underwriting.
    Appraiser and titleAppraisal is scheduled. Title work begins.
  3. Days 5 to 9

    Underwrite and clear

    YouClear open conditions and send proof of homeowners insurance.
    TW TeamTrack every item to clear to close.
    Appraiser and titleAppraisal report comes in. Underwriting issues a decision.
  4. Days 10 to 13

    Disclose and schedule

    YouReview your Closing Disclosure. Confirm funds. Verify wire instructions by phone before sending anything.
    TW TeamSend the Closing Disclosure at least 3 business days before signing and set your appointment.
    Appraiser and titleTitle and insurance are confirmed.
  5. Day 14

    Sign

    YouBring photo ID and sign.
    TW TeamClose the loan.
    Appraiser and title The sale records and you get your keys. Funds release after the 3-business-day cancellation period.

Weekends and holidays do not count as business days for the Closing Disclosure window, so plan your signing around them. On a refinance of your primary home, federal law gives you 3 business days after signing to cancel before funds are released. Timelines vary by loan program and by file, and every approval is subject to underwriting.

Getting it right

Send it right the first time

Most delays on an otherwise clean file come from missing pages and open questions.

  • Every page, every timeSend all pages of every statement, including pages that look blank.
  • PDF first, photos secondPhotos work when all four corners and every line are readable.
  • Name your filesSomething like "Checking Oct 2026" saves a round of questions.
  • Explain big depositsA non-payroll deposit larger than about half your monthly income needs a source. A short note and a transfer record cover it.
  • Keep your finances steadyHold off on new credit, large purchases and moving money between accounts until you close.
  • Answer the same dayA same-day reply to an underwriting question keeps your date.

By situation

Read the program behind your list

Every situation on the checklist has a page explaining how that program qualifies, what it costs and who it suits.

  • FHA and VA. Lower down payments and more flexible credit, with their own document requirements. VA adds the Certificate of Eligibility.
  • Self-employed. Bank statement loans and profit and loss loans qualify you without full tax returns, and 1099 income loans use your 1099s.
  • Investors. DSCR loans qualify on the property's rent, not your personal income, and fix and flip funds the purchase and the work.
  • Bridging two homes. A bridge loan buys the next home before the current one sells.
  • ITIN and foreign national. Both programs lend without a Social Security number or US credit history.
  • Age 62 and older. A reverse mortgage turns equity into payments or a line of credit, with HUD counseling required first.
  • Lower payment now. Interest-only and a seller-paid buydown both reduce the early payment, in different ways.
  • Still comparing. Run the numbers on any program in the calculators, or read the glossary if a term on your list is unfamiliar.

Questions

Common questions

Do I need a purchase agreement or accepted offer to start?

No. Start with the four items above and send the contract when you have one. You can also have your documents reviewed before you find a home.

Is a 14-day close guaranteed?

No. Closing times are estimates. Speed depends on how fast documents arrive and how the appraisal, title and underwriting steps go.

What if I changed jobs recently?

Send the offer letter and your first pay stub. We confirm what else your program needs.

Which list do I use if I am self-employed?

Start with "Self-employed, full tax returns." If business write-offs lower your taxable income, choose "Self-employed, bank statements" and ask us about a bank statement loan.

Can I send photos from my phone?

Yes, if every page is complete and readable. A PDF scan is better.

Who do I contact with questions?

Call (714) 658-4912 or email tweiner@twteam.com. Online applications are accepted any time.

Ready to get started?

Apply online in minutes, any time of day.

Your loan officer reviews your documents and walks you through each milestone.

Phone
(714) 658-4912
Email
tweiner@twteam.com
Phone hours
Monday to Friday
8:30am to 7:30pm Pacific
Online
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Office
1650 Pacific Coast Highway, Unit C
Seal Beach, CA 90740
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Document lists on this page are general. Requirements vary by loan program, investor and borrower, and your loan officer may request additional documents. Non-QM, DSCR, ITIN, foreign national, bridge and reverse mortgage programs have specific eligibility requirements and are not available in every situation.

Closing times are estimates and are not guaranteed. The speed of any loan depends on the loan program, how quickly you provide documents, the appraisal, title, and the actions of third parties. The 3-business-day Closing Disclosure waiting period and, on a refinance of a primary residence, the 3-business-day right of rescission apply under federal law.

Protect yourself from wire fraud. Always confirm wire instructions by calling a phone number you already know, and never email Social Security numbers, account numbers or other sensitive information. Send documents only through your secure loan portal.

Not an offer of credit or commitment to make a loan. All approvals are subject to underwriting guidelines, including but not limited to acceptable current credit worthiness. Programs, rates, terms and conditions are subject to change without notice. Rates can change daily. Some restrictions may apply.

Let's talk it through

Want to go over these numbers?

Call us, or send your info and we'll walk through them with you. A real conversation about your situation, no pressure and no obligation.

(714) 658-4912

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