required documents
- Past two years W-2 statements
- Pay Stubs covering the last thirty days
- Three most recent monthly bank statements
- Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
- Copies of any stocks or certificates of deposits
- Copy of the purchase and sale agreement
- If you are currently renting- either 12 months canceled rent checks or contact information for your current landlord
- If divorced- a fully executed divorce decree
- For a refinance- a copy of the deed and most recent tax bill
- A letter of explanation for any known credit problems
- For self employed borrowers employed in sales, paid commission, or investors owning rental real estate- two (2) years signed personal tax returns including all schedules
- If self-employed through a corporation- last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet