What information will be needed for the application


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  • 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


  • Automobiles
    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:
Rental Property
Notes Receivable
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.

If you own real estate

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

If you rent

Name, address and phone number of landlords for the past 24 months

If you're buying a home

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

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