EMPLOYMENT / INCOME

• Provide most recent paystubs for 1 month

• Provide W-2's for the past two years

• Provide all pages and schedules of last two years personal Federal tax returns

• If self-employed, provide all pages and schedules of last two years business tax returns and corporate K-1's

• If retired, provide benefit award letter, last two years 1099's, and all pages and schedules of last two years tax returns

• If any rental income is received, provide copy of current lease agreement and mortgage statement

• If VA and active-duty personnel, copy of Statement of Service Letter and Off Base Housing Authority Letter

ASSETS

• Provide ALL pages of most recent 2 months statements for all accounts; including all checking, savings, stocks, IRA, 401k, etc. The statements must show your name, account number and the name of the banking institution.

• If funds to close will come from sale of home, copy of Closing Disclosure or HUD-1 from sale of home and deposit slip showing proceeds deposited into bank account

CREDIT

• Copy of enlarged driver's license and social security card

• Copy of divorce decree

• Copy of bankruptcy papers, including all schedules and discharge, and credit explanation letter for reason for bankruptcy

• If VA, Certificate of Eligibility or copy of DD214

PROPERTY

• Homeowners Insurance Agent's name, address, and phone number (for subject property)

• If refinance, copy of note and mortgage statement from the current lender showing the account number

• If you’re retaining your current residence, provide a mortgage statement showing taxes and insurance are included in the monthly payment

• If you’re currently renting, provide your Landlord’s name, phone number and address.

• If you live with a family member, letter stating you live rent-free