Identity Verification

• Full legal name, Social Security number and birthdate for all borrowers on application
• Phone number, email address, and current and former residential mailing addresses over the last two years
• Driver's License or Government-issued photo ID for all borrowers on application
• Name, addresses, and phone numbers of all employers over the last two years

Income Verification

• Primary and secondary income amounts and sources
• Name, addresses, and phone numbers of all employers over the last two years
• Pay stubs covering the last 30 days
• Written explanation if employed less than two years or employment gap exists within the last 2 years

Income Verification - Self-Employed

• Federal tax returns, personal and business, including all Schedules, K1's, etc., for the past 2 years
• Profit and loss statement - year-to-date

Purchase Property Information

• Copy of Signed Purchase Agreement-All pages and all counteroffers
• Closing Agent contact information
• Copy of Deposit Receipt
• Contact info for Listing and Selling Agent
• Address of property being purchased, year built, estimated down-payment amount and purchase price
• Estimates of annual property taxes, homeowners insurance and any homeowner association dues

Asset & Bank Documents

• Values of bank, retirement (401k, IRA), investment (Stocks, CDs), and other asset accounts
• Monthly debt obligations
• Last 2 months' statements for all accounts listed on the application (include all pages of the statement, including ones that are blank)
• Explanation and documentation for any large or unusual non-payroll deposits or withdrawals

Tax Documents

• IRS Form 4506-T - Request for tax transcript, completed, signed and dated
• W-2s for the past two years
• Federal tax returns (1040s) for the past two years (all pages are needed)

Mortgage Verification/Homeowner's Insurance

• Mortgage Statement(s) for all existing mortgages for Primary Residence
• Homeowner's Insurance Declaration page
• Homeowners Association Statement (if applicable)

Credit Verification

• Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history
• Bankruptcy/discharge papers for any bankruptcies in credit history

Social Security, Disability Or Pension

• Social Security Award Letters
• SSA-1099 for the past two years-all borrowers on application
• Pension Award Letters

If You Own Rental Properties

• Signed rental agreement(s) - all properties
• Mortgage Statement(s) - all properties
• Homeowners Insurance - all properties
• Tax Bills - all properties

Miscellaneous

• Divorce Decree
• Separation Agreement
• Proof account paid
• DD-214-VA loans only
• Certificate of Eligibility- VA loans only