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Why Is So Much Paperwork Required to Get a Mortgage? "If a customer hasn’t purchased or refinanced a home in several years, they will notice that there is much more documentation required." That typically includes two years of tax returns and W-2 forms.COMING SOON: Help for first-time homebuyers My team and I regularly come in contact with first-time homebuyers looking. your friend in this scenario – as soon as you think you may be interested in buying a home, start the mortgage process..

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