Residence (for borrower & co-borrower)

• Address for the past 2years (with
  zip codes).
  
• Dates lived at each location.
  
• If rented during the past 2 years, landlord’s or rental company’s name and phone number.

Employment (for borrower & co-borrower)

• Name, addresses, phone numbers, and dates worked for each employer for last 2 years.
  
• Originals of last 2 years W-2’s and most recent pay stubs (30 days).
  
• Proof of social security, retirement and/or interest income.
  
• Written explanation of any gaps in employment in last 2 years.

Self-Employed Borrowers

• Copies of last 2 years personal tax returns (with all schedules signed
  and dated).
  
• Copies of last 2 years corporate or partnership tax returns (with all schedules signed and dated),
  
• profit and loss statement, and balance sheet prepared by an accountant (signed and dated).

Bank Accounts

• Last 2 months original bank statements and all checking and savings accounts.

Other Investments

• Current original investment account statements, 401K statement, or IRA Statement.

Rental Properties

• Current copies of leases and mortgages (leases should be signed by all parties).

Real Estate Owned

• Please provide value, address, acreage, debt balance, and monthly payment.

Alimony/Child Support

• If you receive or pay child support or alimony, you must furnish a copy of the divorce decree. If child support or alimony is to be counted as income, 3 years must be remaining for a conventional loan and 12 months canceled checks of proof of payment is required.

List of all debts and monthly payments (this includes all co-signed notes as well).

If this loan is for the purchase of a home:
You must furnish an original sales contract, signed by all parties, including a legal description and/or current survey.

Earnest Money Check – copy of the front and back of canceled check or proof of deposit by
seller agent is required.

If this loan is a refinance or construction:

• You must furnish a copy of your warranty deed, current survey plat, and hazard insurance renewal notice, most recent tax bill, and mortgage statement and/or coupon book.

If credit report reflects derogatory information related to divorce, copy of degree is required.

If you have filed bankruptcy within the last 10 years, a copy of the (a) filing, (b) petition,
and (c) discharge is required.