In order to expedite your loan process, please bring the following items with you to your loan appointment:

Copy of fully executed Sales Contract.
Check for the credit report.
Two (2) years of recent and consecutive W-2 Statements from ALL employers, for ALL borrowers.
Two (2) most recent and consecutive pay stubs
from ALL employers
for ALL borrowers covering a full 30 day pay period
listing year-to-date information

Twelve (12) months canceled Mortgage or Rent checks covering the past 12 months period, and year end Mortgage Statement.
Three (3) recent and consecutive bank statements from any bank account to be
utilized as funds available for loan closing costs, down payment, and cash reserves.
Most recent IRA/401K/Mutual Fund Stock statements.
Final Decree of Divorce with all schedules and petitions attached (if applicable).
Bankruptcy Documents - include letter of explanation, petition and discharge papers
along with any other supporting documents(s) you feel explains your case (if
applicable).
Copy of Social Security Card and Photo ID for ALL borrowers.
Executed Gift Letter along with supporting documentation (if applicable).
Any letters of explanation.
If vehicles are owned free and clear, provide a copy of the Title.

If you are Self Employed (Sole Proprietor, Partnership, Corporation), on Commission,
Own Rental Property:

Two (2) years of recent, consecutive Personal Tax Returns with all schedules
attached.
Two (2) years of recent, consecutive Corporate or Partnership Tax Returns with all schedules.
Year-to-date Income Statement and Statement of Operations (or comparable
statements).
Copy of Property Lease/Rental Agreement(s) for rental properties owned.