Getting Started

Property Information (if you already have a contract on a house)

Purchase agreement
Copy of legal description and MLS sheet
If you are selling your current home – copy of listing contract
If you have sold your current home – copy of settlement statement (HUD-1)

Income & Assets

Pay stubs for the last 30 days
For the past 2 years:

  • Complete Federal Tax Returns including all schedules
  • W-2s and/or 1099s; this includes pension, social security employment, and unemployment

Statements for each bank, mutual fund, retirement, and/or investment account for the last 2 months – all pages required
If you have made any recent deposits to your accounts outside of payroll:

  • Explanation and source of deposit
  • If deposit was a gift:
  • Signed gift letter (lender can supply)
  • Copy of gift check
  • Copy of deposit receipt
  • Copy of withdrawal from Donor’s account

If self-employed:

  • Year-to-date Profit and Loss Statement prepared by your tax preparer
  • Corporate or partnership tax returns for last 2 years – all pages/schedules

If you own rental property:

  • Copies ofall current rental agreements

If you receive Social Security:

  • Social Security Award Letter
  • Pension Award Letter

If you are counting child support as income:

  • Copy of divorce decree and/or court order
  • Copy of 12 months of cancelled child support checks
  • If obligated to pay child support or spousal maintenance, supply divorce decree and/or court order


Explanation of credit report anomalies, including:

  • Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens
  • Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers including all schedules: Petition, Schedule of Debts, Discharge)

VA Loans

Certificate of Eligibility; copy of form DD 214


Photo ID and proof of Social Security Number

Residence addresses for the past 2 years

If applicable, a copy of your divorce decree

If you are not a U.S. citizen, a copy of the front and back of your green card

  • You are about to leave

    From time to time, we provide links to other websites for the use of our customers, which have been compiled from internal and external sources. By clicking “continue” below, you will be opening a new browser window and leaving our website. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the site.