OCEAN BPS
Office: 561-235-3627
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Complete your loan appplication:

Items Needed to process your loan:
  • Driver’s License, Residency Card (front and Back) Naturalization certificate (color copy/scan)
  • Social security card
  • Divorce decree
  • Child support received or paid (court order, money orders, cancelled checks, proof received)
  • Alimony received or paid (court order, money orders, cancelled checks, proof received)
  • Employment, 2 years consecutive history, with HR contact info
  • 1 month of paystubs (example: all paystubs received in January & from all jobs
  • W2 for most recent 2 years
  • Tax Returns for Most recent 2 years – If you filed an extension, please provide proof of extension
    o K1schedules–ifbusinessowner
  • IRS debt – Proof of installment agreement or proof of balance satisfaction
  • Student loans: proof of payment plan or deferral agreement
  • Credit card balances/collection account: letter with zero balance or correct account balance
  • Statements: checking, savings, retirement and investment accounts – all page for recent 3 months
    o Noscreenshotsorsummaryprintoutunlessrequestedbylender
    o Largedepositsorwithdrawalsinlast90days–provideexplanation
  • Bankruptcy or Judgement court documentation
  • Cancelled rents checks – residential history for 2 years
  • Purchase Contract
  • Escrow Deposit (cancelled check or wire transfer)
  • Homeowners Insurance Agent contact information
  • Week 1: Review mortgage application, personal and financial documentation. o Allreportsandinspectionsarerequested
  • Week 2: Your loan is submitted to lender and preliminary disclosures are sent to you for signature o Reportsshouldbebackinforreview,senttolenderforreview.
  • Week 3: Conditional Approval received – Lender may request additional documentation at this time o Submitfinalitemsandlockinloan
  • Week 4: Review Final closing disclosures and final figure estimate o ScheduleClosing!
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