Documentation Checklist

Property Information (if you already have a contract on a house)

• Purchase Agreement. (Signed by all applicable parties)

• If you are selling your current home, copy of listing contract

• If your current home is under contract to sell, copy of net sheet showing expected proceeds

• If you have sold your current home, copy of settlement statement (HUD-1)

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Income

• Paycheck stubs for the last 30 days

• Federal Tax Returns (all schedules) with W-2s (all) for last 2 years

• If your income is not traditional W-2 income, please include any that may apply:

  • Social Security Award Letter​

  • Pension Award Letter

  • Child Support payment documentation

  • Business tax returns (all schedules) with K-1s if self employed

  • Year-to-date profit and loss statement if self employed

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Assets

• Current Bank Statements for each account spanning 60 cosecutive days

• For 401K, Stock, Annuity, IRA, etc., provide copy of most recent statement

• For retirement accounts (401k, IRA) provide terms of withdrawal

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Debts

• Explanation of credit report anormalies, including:

  • Late payments, charge-offs, collections, judgements and/or liens​

  • Bankruptcy filed within last seven years (bring documentation)

  • Foreclosure within the last seven years (bring documentation)

• Copy of full bankruptcy file including discharge

• Copy of sheriffs deed for any foreclosures

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Miscellaneous

• Photo ID(s)

• Residence Address(es) for the past 10 years

• Divorce decree, if applicable

• If you are not a US citizen, a copy of the front and back of our Permanent Residence card

• Address(es), Current approximate value, and Current mortgage balance on any other properties you own