DOCUMENTATION NEEDED FOR ALL FULL DOCUMENTATION LOANS

• Pay stubs for the most recent 30-day period
• W-2 forms for the previous two years
• If self employed or more than 25% of your income is bonus, overtime, or commission, we also need tax returns for past 2 yrs.
• Documentation on any other income you wish to have considered, such as part-time income, rental income, alimony, child support, etc.
• Employment history for the last two full years
• Three months consecutive financial statements on all asset accounts (all pages); checking, savings, CD`s, stocks, mutual funds, 401-K, etc. (If statements are quarterly, then most recent statement.)
• General value of other assets such as cars, personal property, insurance, etc.
• Name, address and phone number of landlord for the last 24 month.
• Copy of the sales contract
• Copy of your Driver's License
• Copy of your Social Security Card
• Copy of canceled earnest money check
• Copy of closing statement and sale of current residence, if applicable
• Copy of divorce decree, if relying on alimony income to qualify or paying alimony or child support obligation
• Gift Affidavit, if applicable
• Bankruptcy schedules and discharge documentation, if applicable

* Internet printouts are acceptable as long as bank letterhead/info and your SS or name is on print out that shows proof you are owner of the account

IF YOU ARE APPLYING FOR A VA LOAN

• VA Certificate of Eligibility (Original)
• Form DD-214.
• For in-service veterans, Statement of Service and recent Leave and Earnings statement
• Child Care Expense Proof Monthly

IF YOU ARE SELF-EMPLOYED OR HAVE COMMISSION INCOME

• Previous two years signed tax returns with all schedules attached
• Previous two years corporate/partnership tax returns with all schedules attached
• Year-to-date profit and loss statement and balance sheet

IF YOU ARE RELOCATING WITH COMPANY BENEFITS

• Copy of company's relocation policy
• Letter from employer stating effective date of transfer and new income
• Copy of entire relocation buyout offer (if applicable)

IF YOU ARE APPLYING FOR A THDA LOAN

• 3 Years Resident history/Name and # to Landlord for the last 12 months
• Most Recent year “Signed” Federal Tax Return
• There are a couple of forms that need your signature and notarized. Very Important we get these done within 48 hours of your application.

IF YOU ARE REFINANCING

• Name and Phone # to your Insurance Agent
• Current Statement from your Lender that reflects payment/loan #/etc
• Title Policy Copy