Items Needed for Application Process

VALID PHOTO ID

Non-expired government issued with a photo & signature

  • State issued driver’s license
  • State issued identification card
  • US or foreign passport
  • Military identification
  • Alien identification card (if not a US Citizen, this must be provided)
  • Social Security Card (need a copy)
PROOF OF INCOME
  •  Pay stubs:  recent 30-day coverage. (If paid semi-monthly or bi-weekly, please provide 2 most recent pay stubs. If paid weekly, please provide 4 most recent consecutive pay stubs.)
  • W2 FORMS for the last 2 yrs (ex:  ’11 & ’12) and/or 1099s from income sources for the last 2 years
  • Social Security/Pension/Disability/Retirement Benefits: Award letters (most recent)
  • Employment contract, if applicable  (I.E., teaching contract)
  • Most recent 2 yrs Federal Tax Returns, with all schedules attached including W-2s & 1099s;  If Incorporated: Corporate Tax Returns (all schedules & K-1s)
BANK STATEMENTS
  • 2 most recent months: savings, checking, stocks, IRA, 401K, investment accounts – or – most recent quarterly statements (ALL PAGES)
  • Any other type of asset accounts (ALL PAGES)
  • Most recent 1st mortgage statement and 2nd mortgage statement (if applicable)
HOMEOWNERS INSURANCE POLICY

Copy of current policy

PURCHASES

Signed & dated sales contract (with counteroffer(s), if applicable)

MISC. DOCUMENTS (IF APPLICABLE)
  • (If applying for a VA loan)  VETERANS: Certificate of Eligibility, DD214 or Statement of Service
  • DIVORCED/SEPARATED: Divorce Decree, Child Support Order or Separation Agreement
  • BANKRUPTCY PAPERS: Discharge with list of all creditors discharged.
  • RENTAL PROPERTY:  Homeowners policy, Property Tax statement, Mortgage statement and most recent 2yrs Federal Tax Returns with all schedules attached. FOR EACH PROPERTY. Copy of all lease agreements.

Please note:  If co-borrower is unable to come with you at time of application we must have authorization from them to pull credit report for them.

Updated: August 4, 2016