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All Borrowers

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• Copies of W-2s for the past two years

• Copies of the two most recent consecutive pay stubs showing year-to-date earnings

• Copies of checking and saving account statements for past three months (all pages)

• Copies of quarterly or semi-annual statements for checking, savings, IRAs, CDs, money market funds, stocks, 401k, profit sharing, etc.

• Copy of sales contract when ratified

• Employment history for the previous two years (address any gaps of employment)

• Residency history during the past two years, with name, phone number, address and account number of land or mortgage company; for rental property, copies of leases

• Canceled earnest money check when it clears or corresponding bank statement, if applicable

• Commissioned income – if 25% or more of base, must have tax returns

• Check for the expense of appraisal and credit report

• Refinance copy of note, deed of trust, settlement statement, survey and insurance information

• Any assets used for down payment, closing costs and cash reserves must be documented by a paper trail

• If paid off mortgage in the past two years, need copies of HUD1

• Copy of driver’s license for applicant and co-applicant

• Copies of your past two years’ tax returns

• Copy of Social Security Card for each applicant and co-applicant.

 

Self-Employed Borrowers

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• Copies of your past two years’ tax returns (with all schedules, including K-I's if applicable)

• Copy of current profit and loss statement and balance sheet

• Copy of corporate/partnership tax returns for last two years if owning 25% or more of company plus copies of W-2s and/or 1099 forms.

 

Documents that may be required

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• Relocation agreement if move is financed by employer (i.e. buyout agreement plus documentation outlining company-paid closing costs benefits)

• If you've had a previous bankruptcy, bring copies of petition for bankruptcy and discharge, including supporting schedules

• Divorce decree (if applicable)

• Documentation supporting monies received from Social Security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter or evidence income will continue.

 

Documents needed for FHA/VA loans

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• FHA: Copy of Social Security Card and driver's license for each applicant and co-applicants

• VA: Original certificate of eligibility and copy of DD214 discharge paper

• VA: Name and address of nearest living relative.