Purchase

Signed purchase agreement If you are selling your current home: Copy of listing contract If you have sold your current home: Copy of settlement statement (HUD-1) If you are currently renting: Name, address and phone number of landlords for the past 24 months If you own more than 1 property: Property address, mortgage statements and estimated property value for each property

Refinance

Property Survey - If changes to the property have been made, a new survey must be ordered Prior title policy with schedules A & B Mortgage Statement of loan we are paying off

Income & Assets

Pay stubs for the last 30 days Bank Information: Name of bank and your average balance Statements for each bank, mutual fund, and/or investment account for the last three months Estimated value of personal property If you have made any large deposits to your accounts:   * Explanation and source for deposit * If large deposit was a gift:      1. Signed gift letter (lender can supply)      2. Copy of gift check      3. Copy of deposit receipt * Note: Not all loan programs allow gifts to be part of your down payment If you own a rental property: Tax returns for the last two years & current rental agreements If you are retired: Pension Award Letter If you receive Social Security: Social Security Award Letter If you are counting child support as income:   * Complete executed divorce decree and settlement agreement * Copy of twelve months of cancelled child support checks and/or bank statements reflecting income deposits

Employment

Two (2) years history:   * Names, addresses, phone number, employment dates and income of each employer * W-2s If you own more than 25% of a business: Corporate or partnership tax returns If self-employed:   * Tax returns for the last three years (with schedules) * Year-to-Date Profit and Loss Statement prepared by an accountant If you earn Commission, Overtime, Bonus, Partnership, Rental Property, Trust, Notes Receivable, Interest/Dividends: Two years' personal federal tax returns

Debts

Names, addresses, account numbers, balances and monthly payments on all current loans Explanation of credit report anomalies, including:   * Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens * Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers)

Miscellaneous

Photo ID and proof of Social Security number Residence addresses for the past two years Homeowners Insurance declaration page: Company, Agent Name, Phone Number& Policy Number

If Applicable

A copy of your complete executed divorce decree and settlement agreement If you are not a citizen, a copy of the front and back of your green card Flood Insurance declaration page: Company, Agent Name, Phone Number & Policy Number Bankruptcy discharge papers (all pages) Homeowner's Association Name and Phone Number

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