Watch the video below to learn what underwriters need to see — and to obtain your Certificate of Existence correctly.
A Certificate of Existence (also called a Certificate of Good Standing) confirms that your business or LLC is legally registered and active with the state.
When a property is being purchased or held in an LLC, lenders must verify that the company is valid, current on filings, and authorized to do business before the loan can close.
This helps ensure the transaction is legally enforceable and prevents last-minute closing issues.
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Search your Secretary of State website for your LLC or business.
Make sure it includes the state seal or official verification.
Letter-for-letter matching is important.
Most lenders require one issued within the last 30–60 days
Bank statements help verify:
Certificate is expired or too old
Wrong entity listed
LLC name does not match contract
Screenshot instead of official certificate
Certificate pulled from the wrong state
Business listed as inactive or not in good standing
