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* Could vary depending on personal situation

• Current photo identification (drivers license, id card) for each borrower
• Resident alien card

• Current pay stubs (most recent full month)
• W2s (last two years)
• Evidence of social security/retirement income (i.e. copy of check or award letter)
• Federal tax returns with all schedules/attachments (last two years)
• Partnership/corporate tax returns (last two years)
• If most recent tax returns are on extension, provide a copy of the extension
• Signed year-to-date profit and loss statement and balance sheet
• K1s for all partnership
• Evidence of child support income (i.e. 12 months cancelled checks)
• Rental agreements on all rental properties

• Bank statements, all pages (last two months)
• Money market statements (last two months)
• 401k / IRA statements
• Original gift letter (for gift funds)
• Copy of transfer of gift funds to escrow or your bank account
• Verification of donor’s ability to give gift funds (i.e. bank statement)

• Last 12 months mortgage payment history (we will pull credit with your permission)
• Landlord Addresses (last two years)
• Complete divorce settlement documents
• Complete bankruptcy papers
• Explanation of derogatory credit
• Copy of current mortgage note (refinance only)
• Declaration page from current hazard insurance policy (refinance only)

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