Required Documents

Past two years W-2 statements.
Thirty days current Pay Stubs.
Two months most current banks statements. (all pages)
Homeowners insurance policy
Copy of the Purchase and Sale Agreement
If renting,12 months canceled rent checks and the name and address of your current landlord.
Mortgage payment coupon/Statement (All Mortgages)
Security Deed/Warrenty Deed/Note to Secure Debt
Divorce papers if applicable.  (full divorce decree)
For a refinance, a copy of the deed, and most recent tax bill.
A letter of explanation for any known credit problems.
Settlement statment from last refinance.
Photocopies of any Stocks or Certificates of Deposits.
Three months most recent transaction summary of 401K, IRA, or Mutual Fund Accounts


For Self Employed borrowers, Employed in sales, Paid by commission, or Owns Rental Real Estate:

Two (2)Years signed personal Tax returns. (all schedules)
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.