Application Checklist

All Borrowers

• W-2’s for last two years
• Most current paycheck stubs
• Two months of checking and savings account statements including all pages even if blank
• Quarterly or semi-annual statements for checking, savings, IRAs, CDs, money market funds, stocks, 401K, and/or profit sharing, etc…
• Copy of fully executed sales contract
• Employment history from the last two years
• Residency history from last two years that includes landlord or mortgage company contact information
• Canceled earnest money check once cleared
• Social security card and drivers license for all borrowers and non-purchasing spouse
• Tax returns from the past two years
• Copy of note, deed of trust, settlement statement, and survey if refinancing
• Any assets used for down payment, closing costs, cash reserves and large deposits must be documented
• Copies of sold properties if mortgage was paid off in the last two years

Documents For VA Loans

• Original Certificate of Eligibility
• Certificate of Release of Discharge from active duty and copy of DD214
• Name and address of nearest living relative

Self-Employed Borrowers

• Copies of most recent two years of tax returns with all schedules including K-Is if applicable
• Current profit and loss statement and a balance sheet
• Copy of corporate / partnership tax returns for most recent two year period for ownership of 25% or more including W-2s and / or 1099 forms

Miscellaneous Required Documents

• Agreement if financed by an employer (buyout agreement, documentation outlining company, and paid closing costs)
• Previous bankruptcy information including copies of petition for bankruptcy, discharge, and supporting schedule
• Documentation supporting moneys received from social security, retirement trust income through direct deposit bank statements, award letter, and evidence of income