Required Documents

• Last two (2) years of W-2 statements (2008 & 2009) 
• Pay Stubs covering the last (30) thirty days
• Two (2) most recent monthly bank statements
• Two (2) most recent 401K, IRA, or brokerage account statements
• Copy of the purchase contract (for purchases only)
• If divorced, then provide a fully executed divorce decree
• A letter of explanation for any known credit problems

For self employed borrowers, add the following:

• Last 2 years of signed personal tax returns - including all schedules
• If self-employed through a corporation, last 2 years of 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. Please contact us for a free, no-obligation consultation.