What We Need

Once you're ready to submit a loan application we will need: 

 

• Photo Identification (e.g. valid driver's license)

• Two most recent years of complete personal tax returns with W-2 forms including all schedules

• If you are self-employed: business federal tax returns for the last two years, your business balance sheet and profit and loss statements for the year-to-date

• Complete copies (all pages) of your checking and savings statements for the last two months for all accounts being used for down payment, reserves and closing cost funds

• A list of residences for the past two years including landlord, mortgage and/or land contract holder name, address and/or account numbers

• If purchasing: a fully executed copy of the purchase agreement or building contract for the property or building, including a legal description of the land and ALL addendums

• If refinancing: current homeowner's insurance

• Divorce decree and property settlement agreement, if applicable