____ Check for Application Fee

Property Information (If you already have a contract on a house):

____ Purchase Agreement
____ Copy of Legal Description and MLS Sheet
____ If You Are Selling Your Current Home, Copy of Listing Contract
____ If You Have Sold Your Current Home, Copy of Settlement Statement

Income & Assets:

____ Pay Stubs For The Last 30 Days
____ Names and Addresses of Each Employer
____ W-2's For Each Borrower
____ Last 3 Months Statements For Each Bank and Investment Account
____ Estimated Value of Personal Property and Furniture

If You Have Made Large Deposits To Your Accounts:

____ Explanation and Source For Deposit

If Deposit Was a Gift:

____ Signed Gift Letter From The Originating Party
____ Copy of Cleared Gift Check
____ Copy of Deposit Receipt

If You Own More Than 25% of a Business:

____ Corporate or Partner Tax Returns

If Self Employed:

____ Tax Returns For the Last Three Years (With Schedules)
____ Year-to-date Profit and Loss Statement Prepared By Your Accountant

If You Own Rental Property:

____ Tax Returns For the Last Two Years and Current Lease Agreements

If You Are Retired:

____ Pension Award Letter

If You Receive Social Security Benefits:

____ Social Security Award Letter

If You Are Including Child Support as Income:

____ Copy of Divorce Settlement
____ Copy of Twelve Months of Canceled Child Support Checks

Debts:

____ Names, Addresses, Account Numbers, Balances, Monthly Payment Amounts

Signed Letter of Explanation for Credit Report Anomalies, Including:

____ Late Payments, Credit Inquiries in the Past 90 Days, Charge-Offs, Collections, Judgments and/or Liens
____ Bankruptcy Filed Within the Last 7 Years - Copy of all pages including discharge

VA Loans:

____ Copy of DD Form 214, Report of Separation

Miscellaneous:

____ Copy of Photo ID and Social Security Card
____ Residence Addresses For the Past Two Years
____ If Applicable, a Copy of Your Divorce Decree
____ If You are Not a Citizen, a Copy of the Front and Back of Your Green Card