It is our desire to get you to the closing table as soon as possible.  Get a head start on your loan by gathering the items below and have them ready when we meet.

Income:

• 1 month of recent paystubs
• 2 years W-2s from all employers
• 2 years of Federal tax returns
• For self employed borrowers, a current year profit and loss statement and K-1
• If applicable, proof of receipt of child support, alimony, social security or retirement

 

Credit and Debts:

• We will obtain your credit report and use the debts listed.
• Will need proof of child support or alimony paid (typically a divorce decree or child support order)
• Proof of any other payment arrangements or debt not shown on the credit report
• Bankruptcy paperwork and discharge statement

 

Asset and Banking information:

• Bank statements from all accounts for the most recent 2 months.  Statements should have name of financial institution, your name and account number
• Most recent statements for 401(k), stock accounts, IRAs or any other investment accounts

 

If buying a home:

• A copy of the sales contract of the home you’re buying
• A copy of the sales contract of the home you’re selling, if applicable
• Homeowners insurance agent information
• Copy of cleared earnest money check, front and back

 

If refinancing a home:

•  A copy of the note, mortgage, and current insurance

 

If a Veteran:

• Copy of your DD214
• Name, address and phone number of nearest living relative
• Day care expenses

 

Each borrower’s financial situation is unique.  We may ask for more information regarding your personal financial situation.