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.


  • 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.