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To ensure you have the most efficient lending experience possible, please read below and have those suggested documents on hand when speaking with your lender.

  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Three most recent monthly bank statements
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
  • Photocopies of any stocks or certificates of deposits
  • Copy of the purchase and sale agreement
  • If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord
  • If divorced…a fully executed divorce decree
  • For a refinance…a copy of the deed, and most recent tax bill
  • A letter of explanation for any known credit problemsFor self employed borrowers, employed in sales, paid by commission, or owns rental real estate:
  • Two (2) years signed personal tax returns – including all schedules
  • If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation.