Necessary Documents

• Past two (2) years W-2 statements
• Pay Stubs covering the last thirty days
• Most recent three months bank statements
• Most recent transaction summary of 401K, IRA, or mutual Fund Accounts
• Photocopies of any Stocks or Certificates of Deposit
• Copy of Purchase and Sale Agreement
• If you are currently renting, either 12 months canceled rent checks or the name and address of your current landlord
• If divorced....a fully executed divorce decree
• A letter of explanation for any known credit problems

For self-employed borrowers, employed in sales, paid by commission or owns rental real estate:

• Two (2) years signed personal tax returns - including all schedules
• If self-employed through a corporation, last two (2) years corporate returns as well as a year-to-date profit and loss statement and balance sheet