The following information is usually required during the loan process:

• Pay stubs covering most recent thirty days
• Copy of current government-issued ID (driver’s license, passport, etc)
• W-2 statements covering the past two years
• Bank statements covering the most recent two months (with all pages)
• 401K, IRA, or Mutual Fund accounts showing most recent transaction summary
• Stocks or certificates of deposit (copies)
• Purchase and sales agreement (copy)
• 12 months cancelled rent checks or the name and address of your current landlord (if applicable)
• Fully executed divorce decree (if applicable)
• Deed, hazard insurance policy, and most recent tax bill if you are refinancing (copies)
• A letter explaining any known credit problems or fluctuations in income

If you are self-employed, paid by commission, or own real estate used for rental purposes you will need to produce:

• Two years signed personal federal income tax returns including all schedules
• If self-employed through a corporation, the last two years' corporate returns as well as a year-to-date profit and loss statement and balance sheet
• If additional information or documentation is requested, please provide it immediately.

If you are retired, you will need to produce:

• Two years of signed personal federal income tax returns, including all schedules
• Most Recent 1099’s (if applicable)
• Most Recent Pension or Social Security Awards Letter

401k or Retirement Account Statement (if taking distributions)