• W-2's for the previous two Tax Years
• Pay stubs covering the last 30 days prior to application
• IRS 1099 Forms for previous two tax years
• Signed and dated copies of Federal Tax Returns with all schedules for previous tax years if you are self-employed or receive your income from commissions.
• Signed and dated Corporate/Partnership Federal Tax Returns with all schedules for previous two tax years if you are self-employed.
• YTD Profit & Loss Statements and Balance Sheet if self-employed or incorporated.
• Copy of any notes due to you.
• Verification of Child Support and/or Alimony.
• Social Security Awards Letter(s).
• Pension Awards Letter(s)
• Veterans Retirement Award Letter(s)

ASSET ITEMS

• Copies of bank statements (all pages) for all accounts reflecting activity for 3 months prior to date of application.
• Copies of any Certificates of Deposits.
• Copies of Brokerage Account Statements (i.e. Stocks, Retirement, etc.)
• Gift Letter and verification of donor's ability to give (i.e. donor's bank statement).

CREDIT ITEMS

• Letter explaining any late payments, bankruptcies, charge-offs, collections or inquires, if applicable.
• Copy of Bankruptcy papers, if applicable.
• Credit Report fee to be collected.

MISCELLANEOUS ITEMS

• Landlord's name, address & phone number to cover the last two years if renting for the last two years or more.
• Current mortgage holder's name, address and account number if currently a home owner.
• Rental / Lease Agreements for any property you own, any property that is leased, or any property that will be leased.
• Divorce Decree, if applicable.
• Purchase Only: Copy of sales contract executed by both parties.
• Refinance Only: Copy of Deed, Survey, Homeowner's Insurance and Title Policy.
• Construction Only: Contract with builder and on lot plans, specs and cost breakdown.