Providing fast and efficient service requires having the necessary documents.  Please take a moment to review the following items. Providing these documents to your home loan professional in a timely manner will allow our team to better serve you and your family. Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Need assistance? Contact our team of local experts.

• Past two (2) years W-2 statements

• Paystubs covering the last (30) thirty days

• Two most recent monthly bank statements

• Most recent quarterly statement of 401K, IRA, or mutual fund accounts

• Copy of the purchase contract (if available)

• If you are currently renting, either 12 months canceled rent checks or the name, address and phone number of your current landlord

• If divorced, a fully executed divorce decree and separation agreement

• For a refinance, a copy of the deed, declaration page(s) of homeowners insurance, and most recent tax bill

• A letter of explanation for any known credit issues

• Two (2) years signed personal tax returns - including all schedules

• If self-employed, last two years corporate returns

When a lender pulls a consumer’s credit, the Credit Bureau can sell the personal information to other lenders. Consumers who haven’t opted out may receive unwanted solicitations. Visit www.optoutprescreen.com to easily opt-out prior to submitting a loan application. Our Company does not engage in the selling of information.