Preliminary Checklist

  Lenders may require you to send this information with your application

? Copy of the last 30 days pay stubs. Borrower and Co-Borrower

? Last 2 years Federal Tax Return (all pages - all schedules). Last 2 years W-2’s / 1099.

? Self Employed include the following; 2 years of personal, partnership, and/or corporate tax returns.

? Year To Date Profit and Loss Statement with current balance.

? Other assets (include a detailed description) this includes vehicles-ground / air / water.

? Copies of the last months bank statements (all accounts) and (all pages).

? Other real estate owned (include address, type, value, income, expense, and lease agreement).

? Retirement fund value (include the most recent statement, all pages).

? Bankruptcy filing and discharge (all pages) if within the last 4 years.

?   Divorce Decree / Settlement Agreement / Property Settlement, if applicable.

? Verification of other income (ie. dividends, alimony, child support, etc.)

? Name, address and phone number of landlord, if renting now / previously within the last 2 years.

? Name and phone number of the human resource department of current / past employers last 2 years.

? Check for credit report and appraisal if applicable.

Additional information required if a Purchase

? Purchase Agreement (fully executed).

? Copy of HUD 1 settlement if there is a sale of previous home.

? Legal description and who to contact if the loan is refinance or FSBO (for sale by owner).

? Copy of canceled earnest check, both front and back , when applicable.

? Name, company and phone number, of the selling agent.

Additional information required if a Refinance

? Copy of the title insurance policy (include the phone number of the Title Company).

? Copy of the survey or plat, if applicable.

? Name, company and phone number of the existing homeowners insurance agent.

? Name, phone number and account number of the current home loan mortgage company.

? Name and phone number of your previous Appraisal and Title Company you wish to use, if not ours.

? Closing attorney name and phone number, if applicable.