Please note: while these items are typically standard requirements, it varies from borrower to borrower and additional or different documentation may be needed. Your Loan Officer will keep you updated.

Personal

• Driver’s license
• Social Security card
• Divorce decree (if applicable)
• Proof of veteran status (for VA loan) Employment/Income
• Federal income tax returns for the previous two years
• W-2 forms for the previous two years
• Pay stubs for the previous 30 days
• Proof of additional income, such as Social Security benefits, child support, or alimony (if applicable)
• Previous two years’ and year-to-date profit and loss statements (if self-employed)
• Balance sheet for the most recent quarter (if self-employed)

Assets

• Statements for checking and savings accounts for the last three months
• Statements for retirement funds and other investments for the last three months
• Titles for automobiles and other property
• If part of the down payment comes from gift, a gift letter – we will provide a form for you to complete.

Liabilities

• Most recent statements for credit cards, loans, and other credit
• Canceled checks (or other proof of payment) for rent or mortgage for the last 12 months
• Court documentation for bankruptcy or judgment (if applicable)
• Listing agreement or sales contract for current home (if applicable)

Property

• Sales contract
• Proof of earnest money deposit
• Proof of homeowners insurance (needed before closing)
• Contact information for homeowners association (if applicable)