DOCUMENTS NEEDED

Below is a list of the documents normally required to accompany a mortgage loan application. Collecting the necessary documentation in advance will save you significant time in the loan process. It's possible that you may need additional documents depending on your situation and the type of loan. We will inform you if additional documents are necessary.

Purchase Loans
· Copies of previous two years W-2 forms
· Copy of the two most recent pay stubs
· Social Security number of all applicants
· The cost of appraisal and credit report
· Legible sales contract signed by Buyers and Sellers
· Name, address, and all income earned from all employers for past 24 months
· Three months most recent statements for checking & savings account (s)
· The most recent statement for any Stocks, Bonds, Mutual Funds, IRA’s, Thrift Savings
· Plans (TSP), Retirement Accounts etc.
· If you are currently renting, provide either 12 months of cancelled rent checks or the name and address of   your current landlord

Refinance Loans
· Copies of previous two year’s W-2 forms.
· Copy of the two most recent pay stubs.
· Copy of your 1st mortgage note.
· Copy of your 2nd mortgage note (if applicable)
· Copy of the Deed to your property (note: NOT the "Deed of Trust")
· Copy of your Title Insurance Policy
· Copy of your Homeowner Insurance declaration page(s)
· The Social Security number of all applicants.
· The cost of appraisal and credit report
· Name, address, and all income earned from all employers for past 24 months.
· Three months most recent statements for checking & savings accounts
· The most recent statement for any Stocks, Bonds, Mutual Funds, IRA’s, Thrift Savings
· Plans (TSP), Retirement Accounts etc.
· If you choose to include income from Child Support/Alimony, bring copies of court records of cancelled   checks showing receipt of payment.

2nd Mortgages/Home Equity Loans
· Copies of previous two year’s W-2 forms.
· Copy of the two most recent pay stubs.
· Copy of your 1st mortgage note
· Copy of the Deed to your Property (note: NOT the "Deed of Trust")
· Copy of you Homeowner Insurance declaration page(s)
· The Social Security number of all applicants
· The cost of appraisal and credit report
· Name, address, and all Income Earned from all employers for past 24 months.

VA Loans(Veteran's Administration Loans):
· DD-214, Certificate of Eligibility, or statement from your Commanding Officer if you are on active duty.

If you own other properties:
· Address of properties and current market value.
· Copy of previous two year’s Federal Income Tax Returns with all schedules.
· If rented, a copy of the current lease.
· Any debt owed on properties, Lender's name, address, account number, monthly payment, and current   balance.

Additional Documents Needed for ALL Types of Loans

If you are self-employed or paid by commission:
· Previous two year’s Federal Income Tax returns with all schedules and a year-to-date profit and loss   statement.

If you have filed bankruptcy in the last seven years:
· Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent   credit since the bankruptcy.

If you will be using Child Support/Alimony income to qualify:
· Copies of court records of cancelled checks showing receipt of payment.

If you will be using income from a Trust Fund to qualify:
· 2 years W-2's. (S.E.) & 1040's.
· Current P & L YTD.
· 2 years 1040 (If self-employed).
· Pay stubs for one month.
· 3 months bank statements all accounts.
· Executed copy of contract for purchase.
· Copy of deposit checks and source of funds.
· If a REFINANCE, copy of warranty deed, survey and prior title policy.
· Previous two years Federal Income Tax Returns with all schedules and a copy of the complete trust   agreement.
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