Required Documents

No Document Loans

NO REFERENCE TO INCOME, ASSETS OR EMPLOYMENT WILL BE ACCEPTED.

Limited Document Loans

12 Month personal bank statements or 12 Months Business bank statements (Self employed-Income can be determined by Deposits)

Full Document Loans

1. Past (2) two years W-2 statements.
2. Pay Stubs covering the last (30) thirty days.
3. Most recent (3) three months bank statements.
4. Most recent 401K, IRA, CD’s Mutual Fund and/or Investment account statements.
5. Copy of purchase and sale agreement (if applicable).
6. If currently renting: 12 month’s cancelled checks or name/address of current landlord.
7. If divorced: Fully executed divorce decree.
8. For refinance: Most recent tax bill and evidence of property insurance.
9. Letter of explanation for any know credit problems.

Self Employed Borrowers

• For self employed borrowers, employed in sales, paid by commission or owns rental real estate.
• (2) Years signed personal tax returns-including all schedules.
• If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.

*Different Programs require varying amounts of documentation. The loan program you select may require more or less documentation.

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