ALL BORROWERS:
• W-2’s for the previous two years
• Paycheck stubs for the last 30 days (most current)
• Employment history for the last two years (address any gaps of employment)
• Checking and saving account statements for last 3 months (all pages). All non-payroll
deposits must be documented – please make a copy of the check before you deposit it.
• Statements for 401(k)s, stocks, other investments (most recent)
• Signed tax returns from the last 2 years
• Residency history over the last two years, with name, phone number, address and account
number of landlord or mortgage company
• If you paid off a mortgage in the last 2 years, need copies of HUD1 or Release/Satisfaction
• Photo identification (valid Driver’s License or Passport) for applicant and co-applicant
• Check or credit card information for credit report and appraisal fee
SELF-EMPLOYED BORROWERS ADDITIONAL DOCUMENTS:
• Copies of most recent 2 years corporate tax returns (with all schedules)
• YTD profit & loss statement and balance sheet
• Copy of business license or CPA contact information
• 1099s or K1 forms
DOCUMENTS NEEDED FOR VA LOANS:
• Veteran DD214 or Veteran Reservists DD256
* Additional items may be requested during the loan underwriting phase if more information
is required to guarantee your loan
DOCUMENTS WHICH MAY BE REQUIRED:
• If Refinancing: Copy of Note, Deed of Trust or Mortgage, HUD 1 Settlement Statement,
Survey, and Homeowner’s Insurance information
• Previous bankruptcy – need copies of Petition and Discharge, including supporting
schedules A through K
• Divorce Decree (if applicable)
• Relocation Agreement – if relocation move is financed by employer, i.e. buyout agreement
plus documentation outlining company paid closing costs benefits
• Documentation supporting moneys received from social security/retirement/disability,
i.e. copies of direct deposit bank statements, awards letter, evidence income will continue
for at least 3 years
• Rental property – copies of leases, plus mortgage statement, homeowner’s insurance
and property tax statements
