Two most recent consecutive paystubs to cover a full month period of time.
Most recent two months checking account and other asset statements (copies of all pages).
Most recent two years signed and dated tax returns if self-employed or if a large portion of income is commission or overtime (copies of all pages).
Copy of drivers license.
Copy of social security card.
Name and phone number of home owners insurance company. Please select a company/agent, your coverage, deductible, etc. so that we can call and get a copy of your declaration insurance page.
Name ,address, phone and fax number of your employer(s) for a full two year period of time so that we may verify your employment.
Residence address for a full two year period of time. Landlord name and number if applicable.
Copy of lease agreement on any rental properties owned (if applicable).
Divorce decree and property settlement agreement (if applicable). Copies of all pages needed.
Proof of child support for minimum three month period of time (if applicable).
Letter of explanation regarding any gaps in employment during last two year (if applicable).
Copy of all pages of Bankruptcy papers including discharge papers ( if applicable).
Refinance: Name, account number, and customer service phone number of present first and second mortgage company.
Purchase: Sales contract for home you are purchasing.
Legible name and contact information for your real estate agent.
Purchase: Copy of contract on sale of present home or HUD-1 statement from sale of previous home.
Estimated proceeds from home you are selling.
Purchase: Copy of front of earnest money check and printout from bank showing check number and amount of earnest money ceck that has cleared the bank.
$450.00 for appraisal fee. A fee of and $95.00 for a mortgage application fee will be charged to include credit report, courier expense, and other miscellaneous charges.
