Contact Us 801-373-4700 APPLY ONLINE HOME APPLY NOW ABOUT US INTEREST RATES LOAN PROGRAMS LOAN PROCESS CONTACT US Required Documents Past two (2) years W-2 statements Pay Stubs covering the last (30) thirty days Three most recent monthly bank statements Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts Photocopies of any stocks or certificates of deposits Copy of the purchase and sale agreement If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord If divorced…a fully executed divorce decree For a refinance...a copy of the deed, and most recent tax bill A letter of explanation for any known credit problems For self employed borrowers, employed in sales, paid by commission, or owns rental real estate: Two (2) years signed personal tax returns - including all schedules If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation. Sterling Capital Inc. NMLS: 90766 376 E 60 S Suite B American Fork, UT 84003 801-373-4700 801-373-7500 http://www.nmlsconsumeraccess.org Quick Links Contact Us Licensing Privacy Policy Accessibility Statement Copyright © Sterling Capital Inc., Etrafficers, Inc and its licensors. All rights reserved. Mortgage Websites designed and powered by Etrafficers, Inc.

Contact Us 801-373-4700 APPLY ONLINE HOME APPLY NOW ABOUT US INTEREST RATES LOAN PROGRAMS LOAN PROCESS CONTACT US FAQs Do you have questions? We can help! You will find the answers to several frequently asked mortgage questions below. What is the difference between pre-approval and pre-qualification? When does it make sense to refinance? What is a rate lock? What is the difference between a mortgage broker and a lender? Will I save money going directly to a mortgage lender? What is a full documented loan? What are the other types of loans? What is a good faith estimate? What is a conforming loan? What is a jumbo mortgage? What are points? What is a pre-qualification? Sterling Capital Inc. NMLS: 90766 376 E 60 S Suite B American Fork, UT 84003 801-373-4700 801-373-7500 http://www.nmlsconsumeraccess.org Quick Links Contact Us Licensing Privacy Policy Accessibility Statement Copyright © Sterling Capital Inc., Etrafficers, Inc and its licensors. All rights reserved. Mortgage Websites designed and powered by Etrafficers, Inc.