Loan Documentation

Here is a list of documents that you might be asked for:

If You Receive A Salary

Last year's W-2 forms for each borrower
Current pay stubs for each applicant showing time period covered and year-to-date earnings
Bank statements for each account for the last two months identifying institution, account owner and account number
Gift funds, if applicable, require that the giver provide a copy of a bank statement or other proof that the funds are available

Self Employed

Federal tax forms for the past two years, including all schedules and attachments
Year-to-date Profit and Loss statement
Bank statements for each account for the last two months identifying institution, account owner and account number

Own Residential Rental Property?

Lease agreements
1040 forms for the past two years

Purchase Transaction?

A fully executed (signed by both parties) copy of the sales contract

Divorced?

Copies of divorce decrees
Documentation to support additional income, such as child support and alimony

Bankruptcy or Credit Problems?

Complete copy of the bankruptcy proceedings, including all schedules and a letter explaining the circumstances
If you have any judgments against you, provide a copy of recorded satisfaction of judgment and copies of documents describing any lawsuits with which you are currently involved

FHA and VA Loans

Copy of your Drivers License and your Social Security card. For a VA loan, certificate of eligibility

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