Miscellaneous Information

• Photo ID and proof of Social Security Number.

• If applicable, a copy of your divorce decree (normally only required if recently divorced)

• If you are not a citizen, a copy of the front and back of your green card.

 

Property Information

• Purchase Agreement ( only if you have already contracted on a new home)

• If you are selling your current home, copy of listing contract

• If you have sold your current home, copy of settlement statement.

• If you rent, please provide landlord, name and phone number or cancelled checks for last 12 months.

 

Income and Assets

• Pay stubs for the last 30 days.

• W-2's, and Tax Returns for past 2 years (Last 2 yr's, all applicants, all pages, all schedules)

  • 1099’s if applicable.

• Statement for each bank, mutual fund, 401k, and /or investment account for the last 3 months.​

• Explanation of any large deposits to your accounts:

  • If Large Deposit was a gift:

  • Signed gift letter (contact me to provide you one)

  • Proof of donors ability to provide (withdrawal and deposit slips)

• If you own 25% or more of a business:

  • Corporate or partnership tax returns (all pages, all schedules)

• If you are Self-Employed:

  • Tax returns for the last three years may be needed (all schedules).

  • Year-to-Date Profit and Loss Statement prepared by accountant may be needed.

• If you own rental property (provide for each property):

  • Tax returns for last two years and/or current rental agreements

  • Copy of most recent Mortgage Statement

  • Copy of most recent Tax Statement

  • Copy of most recent Insurance Statement

  • If property has been refinanced recently, please provide settlement statement.

• If you are retired:

  • Pension Award Letter

•  If you receive Social Security:

  • Social Security Award Letter

•  If you are counting child support as income:

  • Copy of divorce settlement.

  • Copy of 12 months of cancelled child support checks may be required.

 

Debts & Public Records

• Explanation of credit report anomalies, including:

  • Late Payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.

  • Bankruptcy filed within the last seven years (provide a copy of your BK papers).

 

VA Loans

• Copy of DD Form 214, Report of Separation.