Michael Durr
PAPERWORK
NEEDED.
"Decades of lending experience have taught me one thing: A clean file is a fast file. Gather these items now to clear the path for your closing." — Michael Durr
Income
Paystubs covering the last 30 consecutive days
Last 2 years of W-2 statements (Full copies)
Awards letters for Social Security or Pensions
Child Support or Alimony court orders
Assets
Last 2 months of statements (All pages, even blank ones)
401k, IRA, or Brokerage Quarterly Statements
Gift Letter and Proof of Transfer (If applicable)
Proof of liquidation for down payment funds
Personal
Clear, color copy of Driver’s License (Front/Back)
Marriage License or Divorce Decree (All pages)
Residency data for the last 2 full years
Bankruptcy discharge paperwork (If applicable)
INVESTOR & BUSINESS
PORTFOLIO.
Self-Employed / Business Owners
Last 2 years of Individual Tax Returns (1040s)
Last 2 years of Business Returns (1120s or 1065s)
Year-to-Date Profit & Loss Statement (P&L)
K-1 Statements for all relevant entities
Real Estate Investors
Current Lease Agreements for all rental properties
Most recent Mortgage Statements for the entire portfolio
Homeowners Insurance Dec Pages for all units
Property Tax bills for current real estate holdings
PRE-SUBMISSION
PROTOCOL.
"Following these three rules will shave 5 days off your underwriting timeline."
Full PDFs Only: Screenshots or 'photos of a monitor' will be rejected by the bank. Download the official PDF statements.
All Pages Included: If a statement says '1 of 6', underwriting must see all 6 pages—even if the last page is intentionally blank.
No Cropping: Ensure the URL, date, and page numbers are visible at the bottom/top of the document.
Refinancing
Current Mortgage Statement (Coupon/Notice)
Homeowners Insurance Declaration Page
Copy of Property Survey (For cash-out deals)
VA LOANS
DD-214 (Release/Discharge from active duty)
Certificate of Eligibility (COE) - If already held
The Mike Difference
"I review every document upfront to catch potential bank issues before we submit. This is how we win."
Institutional Grade Review
INSTITUTIONAL
GRADE REVIEW.
"A clean file is a fast file. I review everything before the bank even touches it."
Michael Durr (The Kingwood Mortgage Guy) uses 28 years of authority to navigate Texas guidelines. This paperwork is the foundation of your lowest possible rate.
28
Years Authority
1k+
Texas Families