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In a few months, I'll be applying for a conventional mortgage. All three mortgage scores are above 750. I've been at the same employer for over 5 years. DTI under 20%. I know they will want things like W2s and tax returns. Do you know which financial statements will most likely be requested?
-I have 2 checking accounts and 1 money market account at Bank#1. I designated one of the checking accounts to hold and season all of my mortgage related money. Will they need to see statements from all 3 accountss or just the one with the mortgage money?
-At Bank#2, I just have a small savings account. Will they want this statement?
-I also have a 401k, an IRA, and a separate brokerage account. Will they need these statements?
What should I expect?
Yes to the checking and savings account statements.
Only yes to the 401k, IRA, and brokerage account if you are using funds from those accounts for your downpayment and/or closing.
Thanks for the response. How many months will they want? The last 60-90 days?
For me it was the previous 3 months.