All loan applications:

• If purchasing, a copy of your purchase contract signed by all buyers and sellers
• Pay stubs covering the the most recent 30 day period for each applicant.
• W-2 forms for the last two years for each applicant
• Most recent months bank statements for checking, savings, retirement accounts, money market accts, etc.
• Name, address, and phone number for each landlord you have had for the previous 12 months (if you are currently renting)
• Last 12 months cancelled rent checks (if applicable)

If you are self-employed or have a commission income:

• Copies of your last two years’ personal and/or business federal signed income tax returns

If you are divorced:

• Complete signed copy of final divorce decree
• Proof of child support and/or alimony is current (if you have been ordered to pay support)
• Proof of child support funds received for the previous 3 months (if you are using this income to qualify for the loan)
  

Miscellaneous Items:

• If you have graduated from high school or college within the last two years, enclose a copy of your diploma or official transcripts
• If you have sold and closed on your existing residence, provide a copy of your signed HUD-1 Settlement Statement (if sale is not yet complete, please provide a copy of the signed purchase agreement on existing residence)
• If you are receiving a gift of funds for part of your down payment, you will be given a gift letter at the time of application.  This needs to be signed by the person providing gift of funds
• If you have declared bankruptcy in the last seven years, provide a copy of the Petition Decree, Schedule of Creditors, and the Discharge papers.
• If you have rental properties, provide copies of existing lease agreements