What You Will Need

• Pay stubs covering most recent thirty days
• W-2 statements covering the past two years
• Bank statements covering the most recent three months
• 401K, IRA, or Mutual Fund accounts showing most recent transaction summary
• Stocks or certificates of deposit (copies)
• Purchase and sales agreement (copy)
• 12 months cancelled rent checks or the name and address of your current landlord (if applicable)
• Fully executed divorce decree (if applicable)
• Deed, hazard insurance policy, and most recent tax bill if you are refinancing (copies)
• A letter explaining any known credit problems or fluctuations in income
• If you are self employed, paid by commission, or own real estate used for rental purposes you will need to produce:
• Two years signed personal federal income tax returns including all schedules
• If self-employed through a corporation, the last two years' corporate returns as well as a year-to-date profit and loss statement and balance sheet
• If additional information or documentation is requested, please provide it immediately.
• Read all disclosures carefully and ask questions if you need clarifications.  It is best to communicate all requests and clarifications in writing early in the loan process.
• Ensure that the income you report on your application is the same income as that which is reported on your tax documents.
• Inform your loan officer of any past credit problems.
• Review your credit report carefully to verify its accuracy.