Helpful Hints

The following is a list of items you should include with your application:

• W-2s (2 Years) and 4 current paystubs 
• Landlord or mortgage holder name and address
• Copy of purchase agreement and/or sales contract 
• Bank statements for last three months for all accounts
• Stock and bond information for the last 3 months
• Last statement for any retirement plan(s)
• Open loans and mortgages - Name, Account #, Monthly payments, balances
• Latest credit card statements

Other information that may be requested:

• If you are self employed or have investment property please provide the last 2 years of full complete tax returns and a year to date profit & loss and balance sheet
• If divorced or separated, a copy of the divorce decree or maintenance agreement along with a 12 month history of child support/alimony payments if you are required to make these payments or if you receive these payments and want us to consider these payments in connection with your loan request. (IMPORTANT: Alimony, child support, or separate income need not be revealed if you do not wish to have it considered for qualification)
• Documentation on other income received for the past 12 months if you want us to consider such income in connection with your loan request.
• If your source of down payment is a gift, a signed letter is needed from the donor to verify that you are not required to repay the funds
• On a construction loan, a signed construction contract with a cost breakdown and builder plans and specs