Residential Loans

Explore California residential loan options for home purchases, refinancing, and investment properties. Reena Loans & Real Estate helps borrowers navigate conventional, jumbo, FHA, VA, non-QM, and DSCR financing with clear guidance on required documents and next steps.

Required Documents

Income Verification

  • Last 2 years of tax returns (with 1099/W-2)

  • If not filed, include IRS extension

  • If employed: Most recent 1 month of paystubs

  • If self-employed:

    • Year-to-date Profit & Loss statement

    • Last year’s P&L + Balance Sheet (if return not ready)

    • Business license

    • 12 months of business bank statements or proof of business making personal loan payments

Assets

  • 2 months of statements for all accounts: checking, savings, IRA, 401K, mutual funds, etc.

Identification

  • Copy of driver’s license

If You Own Property

  • Insurance and property tax documents for each property

  • Current mortgage statements for each property

Immigration Status (if applicable)

  • Green Card or H1B Visa copy

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