The following information is usually required during the loan process:

•  Photo identification (such as a valid driver’s license).
• Two most recent years of complete personal tax returns with W-2 forms including all schedules.
• Your most recent pay stub(s), reflecting 30 days of year-to-date income.
• If you are self-employed, business federal tax returns for the last two years, your business balance sheet and profit and loss statement for the year-to-date.
• Complete copies (ALL pages) of your checking and savings statements for the last 2 months for all accounts being used for down payment, reserves and closing cost funds.
• Divorce decree and property settlement agreement, if applicable.
• A list of residences for the past 2 years including landlord, mortgage and/or land contract holder name, address and/or account numbers.
• A fully executed copy of the purchase agreement or building contract for the property you are buying or building, including a legal description of the land and ALL addendums.
• Current home insurance (for refinances)

A written Good Faith Estimate of Closing Costs will be provided, and a processing fee of $450 will be required upon your indication of intent to continue with the loan processing.

If you currently own real estate:

• Mortgage account information
• Home insurance policy information
• Home equity account information (if applicable)