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The Application Checklist

Once you begin your application, you’ll need to collect the following:

— Last year’s W-2 form

— Signed and dated Federal Tax Returns (1040s) from the last year, including all schedules

— Most recent 30 day pay stubs for each borrower.

— Last 2 months of bank statements

— A copy of your most recent mortgage statement (if available).

— Picture ID (drivers license)

— A copy of the purchase contract (if applicable)

— Legal description of property – previous title policy recommended (if applicable)

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If you are self-employed, you will also need:

— Last year’s signed and dated tax return, including all schedules, a year-to-date Profit and Loss (P&L) Statement that is less than 60 days old.

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Certain applicants will need to supply additional information:

— If you receive a Social Security pension or annuity, provide a copy of the awards letter and a copy of a recent benefit check.

— If you own other real estate, provide a lease/rental agreement if applicable, and copies of property tax and insurance bills.

— If you receive alimony or child support, provide a copy of the divorce decree.