DOCUMENT CHECKLIST

To purchase or refinance you will need:

• Last 2 year's W-2's & one month of pay stubs if you are a salaried wage earner

• Last 2 year's full tax return if you are self-employed or commissioned

• Rental agreements for all properties that you own if you are an investor

• If you currently rent a home, please provide your landlord's name, address and phone number so that we may verify your rent history

• One month bank statement and last quarter's 401 K statement (withdrawal from 401 K not required; it is used to show assets)

• Driver's License or photo ID

• Last month's copy of mortgage statement

• Contact information for homeowner's insurance agent

• Divorce Decree if applicable

• Child support order if applicable

To apply for a 2nd mortgage or home equity line of credit you will need:

• Last 2 year's W-2's & one month of pay stubs if you are a salaried wage earner

• Last 2 year's full tax return if you are self-employed or commissioned

• Rental agreements for all properties that you own if you are an investor

• One month bank statement and last quarter's 401 K statement (withdrawal from 401 K not required; it is used to show assets)

• Driver's License or photo ID

• A copy of your 1st mortgage note and a copy of the appraisal.  We need to see how much you owe & the last value of your home.

• HUD (settlement statement) from 1st mortgage

• Previous titlework if available

• Provide a signed letter about what you plan to do with the cash out after closing

• Divorce Decree if applicable

• Child support order if applicable