Required Documentation

1.  Past two (2) years W-2 statements
2.  Pay Stubs covering the last thirty (30) days
3.  Three most recent monthly bank statements
4.  Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
5.  Photocopies of any stocks or certificates of deposits
6.  Copy of the purchase and sale agreement
7.  If you are currently renting… either 12 months canceled rent checks or the name and address of your current landlord
8.  If divorced…a fully executed divorce decree
9.  For a refinance…a copy of the deed, and most recent tax bill
10.  A letter of explanation for any known credit problems

For self-employed borrowers, employed in sales, paid by commission, or owns rental real estate:

1.  Two (2) years signed personal tax returns – including all schedules
2.  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