This checklist outlines the principal documents and information that are generally required to complete the application. Additional documentation may be required, depending on the circumstances of your loan. By having the information available, you will save time and avoid delays.

• Copy of Purchase Sales contract or Offer to Purchase and all addenda (signed by buyer and seller)
• Past 2 years’ tax returns and W-2s
• Past 2 years’ employment history
• Last 3 consecutive paycheck stubs (5 if paid weekly)
• Name, address, and phone for past 2 years’ residence(s) and landlord(s) (if renting, evidence of 12 months’ rent payments)
• Last 3 months’ statements for savings, checking, CD, money market accounts, etc.
• Recent statement on retirement accounts (IRA, 401k, 403-B, Annuity, etc.)
• Monthly payments and balances on all open accounts
• Proof of all additional income
• Divorce Decree (if applicable)
• Bankruptcy schedules/Discharge papers (if applicable)

Additional information that may be required:

• Estimated market value of assets, such as autos, furniture, personal belongings, etc.

Be prepared to discuss where the money for closing will come from, including down payment and closing costs