mortgage process
Why Is the Lender Asking for More Documents?
Learn why lenders may request more mortgage documents, how to provide complete and unaltered records, and how AMS helps you respond securely.
What you’ll learn
- An additional document request does not automatically mean something is wrong.
- Records may need to be updated, completed, clarified or reconciled with another record.
- Send complete, unaltered copies with all pages requested.
- Do not change statements or present estimates as verified facts. AMS can help you respond securely.
Transcript
If a lender asks for another document, it doesn't automatically mean something is wrong.
Mortgage underwriting requires information to be verified, and a document may be outdated, incomplete, unclear or inconsistent with another record. Common requests include recent pay stubs, letters of employment, bank statements or proof of where down-payment funds came from.
Send complete, unaltered copies, including all pages when requested. Never change a statement or provide an estimate as if it were a verified fact.
AMS will explain what is needed and help you respond securely.
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General education only. Lender requirements and mortgage terms vary; this is not an approval, rate offer or guarantee. Contact AMS for advice about your circumstances.
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