Signed purchase agreement
If you are selling your current home: Copy of listing contract
If you have sold your current home: Copy of settlement statement (HUD-1)
If you are currently renting: Name, address and phone number of landlords for the past 24 months
If you own more than 1 property: Property address, mortgage statements and estimated property value for each property
Property Survey - If changes to the property have been made, a new survey must be ordered
Prior title policy with schedules A & B
Mortgage Statement of loan we are paying off
 Income & Assets
Pay stubs for the last 30 days
Bank Information: Name of bank and your average balance
Statements for each bank, mutual fund, and/or investment account for the last three months
Estimated value of personal property
If you have made any large deposits to your accounts:
* Explanation and source for deposit
* If large deposit was a gift:
Signed gift letter (lender can supply)
Copy of gift check
Copy of deposit receipt
* Note: Not all loan programs allow gifts to be part of your down payment
If you own a rental property: Tax returns for the last two years & current rental agreements
If you are retired: Pension Award Letter
If you receive Social Security: Social Security Award Letter
If you are counting child support as income:
* Complete executed divorce decree and settlement agreement
* Copy of twelve months of cancelled child support checks and/or bank statements reflecting income deposits
Two (2) years history:
* Names, addresses, phone number, employment dates and income of each employer
* W-2s
If you own more than 25% of a business: Corporate or partnership tax returns
If self-employed:
* Tax returns for the last three years (with schedules)
* Year-to-Date Profit and Loss Statement prepared by an accountant
If you earn Commission, Overtime, Bonus, Partnership, Rental Property, Trust, Notes Receivable, Interest/Dividends: Two years' personal federal tax returns
Names, addresses, account numbers, balances and monthly payments on all current loans
Explanation of credit report anomalies, including:
* Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens
* Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers)
Photo ID and proof of Social Security number
Residence addresses for the past two years
Homeowners Insurance declaration page: Company, Agent Name, Phone Number& Policy Number
 If Applicable
A copy of your complete executed divorce decree and settlement agreement
If you are not a citizen, a copy of the front and back of your green card
Flood Insurance declaration page: Company, Agent Name, Phone Number & Policy Number
Bankruptcy discharge papers (all pages)
Homeowner's Association Name and Phone Number

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