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Documents You'll Need

All Borrowers:

  • Copies of W-2s for the last two years
  • Copies of paycheck stubs for the last 30 days (most current)
  • Copies of checking and savings account statements for the last two months (all pages)
  • Copies of quarterly or semi-annual statements for IRA, CD, money market fund, stock, 401(k), profit sharing, etc.
  • Copy of sales contract when signed by all parties
  • Copy of canceled earnest money check when it clears or copy of corresponding bank statement
  • Employment history for the last two years (address any gaps of employment)
  • Residency history over the last two years with name, phone number, address and account number of landlord or mortgage company (if a rental property, need copies of leases with mortgage loan information)
  • If commission or bonus income is applicable and is more than 25% of base salary, must receive copy of tax returns
  • If paid off any mortgage in the last 2 years, need copy of HUD-1 Settlement Statement
  • Copy of drivers license and Social Security card for all borrowers
  • If refinancing, need copy of survey and home owner’s insurance policy

If Self-Employed Borrower:

  • Copy of most recent two years tax returns (please include all schedules and, if applicable, K-1s)
  • Copy of current Profit and Loss Statement and Balance Sheet
  • Copy of corporate/partnership tax returns for the most recent two year period (please include copies of W-2s or 1099s)

Documents for VA Loans:

  • Need original Certificate of Eligibility and copy of DD214 Discharge document.
  • Need name and address of nearest living relative.

Additional Documents which may apply:

  • If a previous bankruptcy applies, need copies of petition for bankruptcy (with all supporting schedules) and discharge
  • Divorce Decree
  • If you receive Social Security or retirement income, need copy of direct deposit bank statement and award letter