In order for us to process your loan in a quick and timely manner, please provide the following documents:

 Verification of Employment and Income

  • Personal tax returns for past two years, including all schedules and W-2s
  • Paycheck stubs for most recent 30 days
  • Retirement and/or Social Security Award letter(s) for most recent year
  • Bank statements, all pages even if blank, for past two months or last quarter
  • Tax bill, homeowner’s insurance policy and mortgage statement for all real estate owned

If Self-Employed
  • Business tax returns for past two years, including all schedules
  • Year-to-date profit and loss statement
  • Current balance sheet

If You Are Purchasing
  • Fully executed purchase agreement including addendums
  • Copy of earnest money deposit check

If You Are Refinancing
  • Copy of warranty deed, if available
  • Copy of title insurance policy, if available
  • Survey, if available
  • Homeowner’s insurance policy
  • Flood insurance policy, if available

If Mobile Home Loan
  • Copy of driver’s license
  • Mobile home titles

If Applying for a Construction-to-Permanent Loan
  • Plans, specs, and details of all costs, provided by builder
  • Copy of construction contract
  • Copy of deed and/or owner’s title insurance policy of property is owned


PLEASE NOTE: Additional information may be requested