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.