Paperwork You Will Need

You will only need to provide those documents which pertain to your individual situation.  Keep in mind this is a general list only and you may be required to provide additional documentation before your loan can fund or you may not need some of the items listed below.

Credit Information:

• Full legal name including any previous name(s)
• Social Security number
• Age and number of years of schooling
• Marital status
• Number of dependants and their ages
• Complete residence information for the past 2 years
• Name, address and telephone number(s) for all landlords for past 2 years
• Mortgage statements on all open real estate loans (including rentals)
• Complete divorce papers or separation agreement (if applicable)
• Complete bankruptcy papers including discharge (if applicable)
• Explanation letter regarding derogatory credit (if applicable

Income and Employment

General Information:

• Most recent pay stubs to cover one full month with year-to-date figures
• The last two 2 years of W-2s and 1099s
• The last two 2 years of Federal Tax returns (including schedules)
• Award letters for Social Security or disability income (if applicable)
• Award letters from pension or retirement income (if applicable)
• Copies of cancelled checks for the last 12 months for alimony or child support
• Rental agreements for all investment properties
• Name, address and telephone number for all employers for the past 2 years

Self Employed Individuals also require the following information based on their business classification:

Sole Proprietor

• Year-to-date profit and loss statement

Partnership (General or Limited)

• 2 years of Partnership returns (Form 1065)
• 2 years of individual partners returns (Form K-1)
• Year-to-date profit and loss statement

Corporation (includes S-Corporations)

• 2 years of Corporation returns (Form 1120 or 1120S)
• Year-to-date profit and loss statement

Asset Information 

Provide copies of ALL pages of the following accounts:

• Checking and savings accounts  account numbers, and if available 3 months 
• Money market account(s)
• Certificate of deposits (CDs)
• Retirement and 401Ks
• Stock and bonds
• Equity in a life insurance policy
• Vehicle information (year, model, and approximate value)
• Approximate amount of cash gift from a relative

Miscellaneous Information

• If you are NOT a US citizen, we will need a copy of your green card (front & back)
• If you do not have a green card, provide a copy of either an  H-1 or L-1 visa
• If you are a recent graduate, provide copies of your transcripts and diploma

VA Applicants

• A copy of your DD-214 discharge from military form
• The original Certificate of Eligibility
• A copy of a picture ID