Below is a list of documentation that may be required to apply for and process your loan.

All Borrowers:

1.  Copies of W-2's for last two years.

2.  Copies of paycheck stubs for most recent 30 days.

3.  Copies of checking and savings account statements for last three months (all pages).

4.  Copies of quarterly or semi-annual statements for checking, savings, IRA's, CD's, money market funds, stocks, 401K, profit sharing, etc.

5.  Copy of sales contract when ratified.

6.  Canceled earnest money check when it clears or corresponding bank statements, if applicable.

7.  CLEAR copy of social security card and driver’s license for borrower and co-borrower, both sides.

8.  Commissioned or bonus income- if 25% or more of base, must have last 2 years tax returns.

9.  Refinance- copy of note, deed of trust, settlement statement, survey, current homeowner’s insurance declarations page, and current mortgage statement.

10.  FHA or VA refinance- Copy of note, deed of trust, and settlement statement from when you purchased the home.

11.  If paid off mortgage in past 2 years, need copy of HUD-1 settlement statement.

12.  Documents to prove residency status.

Documents which may be required:

13.  Relocation agreement if move is financed by employer, i.e. buyout agreement plus documentation outlining company paid closing costs benefits.

14.  Previous bankruptcy, need copies of petition for bankruptcy and discharge, including supporting schedule.

15.  Divorce decree, if applicable.

16.  Documentation supporting moneys received from social security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter, evidence income will continue.

FHA/ VA:

17.  VA- Original Certificate of Eligibility and copy of DD-214 Discharge Papers.

18.  VA- Name and address for nearest living relative.