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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

• 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

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:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
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