Required Documents

• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Two most recent monthly bank statements*
• Most recent monthly statement of 401K, IRA, or Mutual Fund Accounts*
• Photocopies of any stocks or certificates of deposits*
• Copy of the purchase and sale agreement (purchase only)
• Copy of earnest money deposit check (purchase only)
• If you are currently renting....either 12 months canceled rent checks or the name and address of your current landlord
• If divorced...a fully executed divorce decree and separation agreement
• For a refinance...your owner's title insurance policy as well as your homeowner's insurance contact information 
• A letter of explanation for any known credit problems

  For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

• Two (2) years signed federal personal tax returns - including all schedules
• If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

*Please include all pages of your depositiry statements, even if the pages include advertisements, cancelled checks or are intentionally left blank.  Internet printoffs are acceptable if they include your name, account number and address or are pdf copies of your statements.

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.