W-2 Borrowers

  • Two forms of valid ID
  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Two most recent monthly bank statements
  • Most recent transaction summary of:
    • 401K
    • IRA
    • Mutual Fund Accounts
  • Photocopies of any stocks or certificates of deposits
  • Copy of the purchase and sale agreement
  • If you are currently renting:
    • either 12 months canceled rent checks
    • or the name and address of your current landlord
  • If divorced - a fully executed divorce decree
  • For a refinance
    • a copy of the deed
    • a copy of the most recent tax bill
  • A letter of explanation for any known credit problems

If you are: self-employed, employed in sales, paid by commission, or own rental real estate:

  • Two forms of valid ID
  • Two (2) years signed personal tax returns - including all schedules
  • If self-employed through a corporation
    • Last two years corporate returns
    • Year-to-date profit and loss statement and balance sheet

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for more information.