Application checklist
(required documentation for loan application)

NOTE: No Income Verification (NIV) and Stated Income loans require less documentation.

Please bring the following:

• Pay stubs covering 30 days
• W-2's for the previous 2 years
• Self-employed, commission income, or rental property - 2 years signed Federal tax returns
• Company ownership of 25% or greater - 2 years personal Federal tax returns, 2 years Corporate Federal tax returns. Some lenders may require a year-to-date profit and loss statement
• 2 years residency, including landlord addresses and phone numbers, if currently renting. Very important for Alternate Financing loans.
• Information on any new loans taken out in the last six months
• Most recent 2 months statements for all asset accounts (checking, savings, money market, mutual funds, IRA's, 401K's. stocks, bonds, etc.)
• If you are a veteran: Need DD214 and Certificate of Eligibility

Additional items to bring if applicable:

• Court decrees regarding bankruptcy, divorce, child support orders and judgment satisfactions
• Bankruptcy petition with list of debts, discharge and letter of explanation.
• Gift Funds - amount and Name/Relationship of donor
• Paid relocation costs: contract with employer detailing which costs will be paid
• Social Security, retirement pay, VA disability pay - need copy of award letter and bank statements showing deposits
• Rental property - lease on each unit
• Net sheet from sale of current home
• Updated pay stubs or bank statements may be needed later.

Helpful information provided by a Real Estate Agent:

• Copy of earnest money check
• MLS Listing sheet
• Copy of Purchase agreement and all addendums
• Copy of county property tax records
• If new construction need: Plans and Specs
• Name and phone number of title company to use
• Net sheet on sale of current home