What information will be needed for the application
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FOR ALL LOANS
- Social Security Number and D.O.B for all borrowers
- 2 year residential history / dates and addresses.
- 2 year Employment History
For the last two years, employment dates, addresses, salary.
Current paystubs last 2 years W-2 forms.
- Check and Savings Accounts
Bank accounts, account numbers and balances;
Last 2 months' statements
- Stocks, Bonds, and Investment Accounts
Last 2 months' statements
- Retirement Plan
Approximate vested interest value
Copy of most current statement
Make and model of automobiles, their resale value
- Copy of drivers license and Social Security Card for all borrowers
- For VA Financing
DD214 and Certificate of Eligibility
Other income information you may need
If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.
If you have income from:
You'll need two years' personal federal tax returns
If employed in family business
Personal federal income tax returns and all schedules for the past two years
If divorced or separated
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.
Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances
If you've sold your home but not closed:
A copy of the sales contract
If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement
Name, address and phone number of landlords for the past 24 months
Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller
If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.
For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications