_ Copy of each applicant(s) last 2 years w-2 forms or 1099's from all jobs
_ Copy of each applicant(s) last 2 years tax returns with ALL schedules - FEDERAL ONLY and sign page 2
_ Copy of each applicant(s) pay stubs, most recent 30 days – for each employer if multiple
_ Copies of your last 2 months bank statements (checking and savings) – ALL PAGES EVEN IF BLANK
_ Copy of your bankruptcy discharge papers including the list of creditors
_ Copy of the recorded divorce decree and court ordered income or payments (will need evidence of payments, canceled checks, etc.)
_ Copy of your Social Security/VA/disability award letter or other source of fixed income
_ Copy of your most recent 2 statements for investment/retirement accounts (IRA, 401K, Mutual Fund accounts) – ALL PAGES
_ Photocopies of any stocks or certificates of deposits
_ Copy of your most recent mortgage statement and tax bill, if a refinance
_ Copy of your homeowners (and flood if applicable) dec page or quote; or your insurance agent info
_ Fully executed purchase agreement signed by all parties or your agents contact info
_ Drivers license and social security card
_ If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet
_ If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord
Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.