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