Select a condition below to learn exactly what documentation is needed and how to prepare it for your mortgage application.
Buying or refinancing shouldn’t feel overwhelming. At Epic Home Mortgage, we break things down into simple steps and help you choose the program that best fits your goals, budget, and long-term plans.
Our loan officers take the time to understand your situation so we can match you with the program that sets you up for success — not stress.
Verify your retirement reserves and vested account balances.
Provide full history for all checking, savings, and money market accounts.
Complete federal filings for any entity in which you hold significant ownership.
Show proof of your initial deposit and the cleared funds from your bank.
Standard documentation for W-2 employees, including recent paystubs.
Articles of Organization and Operating Agreements for your business entities.
Full copies of your most recent federal filings and all attached schedules.
The professional valuation report confirming the market worth of the property.
Confirmation that your business or LLC is legally registered and active with the state.
Proof of adequate coverage and your agent’s contact information.
Verify your earnings through 1099s and year-to-date profit/loss statements.
Valid, unexpired photo identification to verify your legal identity.
A signed statement addressing specific credit inquiries, gaps, or large deposits.
We don’t expect you to know which loan fits best — that’s our job.
Here’s how we guide you:
We learn about your plans, budget, and timeline.
We compare loan programs side-by-side based on your needs.
You’ll always know what documents and steps are coming next.
Our team stays in close communication from pre-approval to closing.
Let us do the heavy lifting.
Answer a few simple questions and we’ll recommend the top options for your situation.
Whether you’re a first-time buyer, an investor, or a Veteran using benefits for the first time, we’re here to help you move forward confidently.
