The following items are necessary but limited to being able to process your loan in a timely manner:

PROPERTY INFORMATION

• Copy of Purchase Contract signed by all buyers and sellers (purchase transactions only).
• Copy of the existing Survey (This is a sketch of the property boundaries) if available.

INCOME INFORMATION (EMPLOYED)

• Copy of your Pay-stubs (Covering the last 30 days).
• Copy of your W-2 Forms for the past 2yrs.

INCOME INFORMATION (SELF-EMPLOYED)

• Copies of your last 2yrs personal and business Federal Income tax returns with all schedules.

NON-VERIFIED(STATED) INCOME INFORMATION

• If Self-Employed, provide a letter from your CPA stating that you have been self employed for the past 2yrs, the name/address of your company and the nature of your business.
• If employed, provide your employment history for past 2yrs including your employer’s name, address, telephone number, dates of employment, and position within the company.

ASSET INFORMATION

• Copies of bank statements for the past two months (all pages), including 401(k), IRA, and investment, stock, and mutual funds.

MISCELLANEOUS INFORMATION

• Copy of your driver’s license and social security card.
• If you are not a citizen, provide a front and back copy of your green card.
• If you own rental property, provide a detailed list of properties including: Property address, mortgage balance, and rental income amount. Also please list who the current lien holder is, so we can match up the property on your credit report.
• If applicable, please provide a signed copy of your mortgage decree.
• If child support is going to be considered, please provide 12 months cancelled checks.
• Copy of current mortgage payoff (only for refinance).
• Name and phone number of your preferred insurance agent.