Piedmont Financial Services

The following information is typically required during the loan process:

Purchase Transaction:

Your Social Security Number and DOB for Credit Pull (at Application)
2024 and 2023 W2's
2024 and 2023 Federal Tax Returns, all schedules/pages (self-employed borrower)
Two Most Recent Paystubs covering 30 days income
Bank Statements for the past two months (verifying funds needed to close)
Scan of Driver's License
Homeowner's Insurance Contact Information
Executable Signed Sales Contract
Copy of Earnest Monday Deposit (cancelled check)
Real Estate Agent and Closing Attorney Contact Information
Most Recent Mortgage Statement for any other properties owned (REO)
E-Sign Disclosures (electronically signed loan disclosures)

Refinance Transaction:

Your Social Security Number and DOB for Credit Pull (at Application)
2024 and 2023 W2's
2024 and 2023 Federal Tax Returns, all schedules/pages (self-employed borrower)
Two Most Recent Paystubs covering 30 days income
Bank Statements for the past two months (verifying funds/reserves required)
Scan of Driver's License
Most Recent Homeowner's Insurance Declaration's Page
Most Recent Mortgage Statement for existing mortgage
HOA Coupon verifying monthly HOA obligation
E-Sign Disclosures (electronically signed loan disclosures)

Notice to Consumers:

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires us to obtain, verify, and record information that identifies each person who cashes checks, wire funds, or engages in other financial services with this establishement. We will ask for your name, address, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Piedmont Financial Services - Anti-Money Laundering Policy Statement & Program Procedures (2019)

Mortgage Documentation Checklist

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