Your Property

- Copy of signed sales contract including all riders

- Verification of the deposit you placed on the home

- Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved

- Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)

Your Income

- Copies of your pay-stubs for the most recent 30-day period and year-to-date

- Copies of your W-2 forms for the past two years

- Names and addresses of all employers for the last two years

- Letter explaining any gaps in employment in the past 2 years

- Work visa or green card (copy front & back)

If self-employed or receive commission or bonus, interest/dividends, or rental income:

- Provide full tax returns for the last two years PLUS year-to-date - Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)

- K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)

- Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify:

- Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

If you receive Social Security income, Disability or VA benefits:

- Provide award letter from agency or organization

Source of Funds and Down Payment

- Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)

- Savings, checking or money market funds - provide copies of bank statements for the last 2 months

- Stocks and bonds - provide copies of your statement from your broker or copies of certificates

- Gifts - If part of your cash to close, provide Gift Affidavit and proof of receipt of funds

- Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation

Debt or Obligations

- If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation

- Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements

- Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years