Once you sign the Loan Estimate and accept the offer, you will be asked to provide several documents. Below is a general list – some items may or may not apply to you.

BORROWER INFORMATION

• Copy of your current Driver’s License
• Copy of your Social Security Card
• If non-resident, a copy of Certificate of Resident Alien Status (Green Card)

INCOME INFORMATION

• Most recent income documentation for all parties – covering 30 days (Social Security, Retirement, Current Job income, etc.)
• Most recent 2 month bank statements (all pages)
• Most recent 401k, IRA, or other retirement account statements
• Documentation of any other income
• Completed tax returns from the last 2 years (signed)
• W2s from last 2 years (signed)
• If self-employed, year-to-date Profit and Loss statement prepared by accountant and/or corporate/partnership tax returns
• Partnership Agreement
• Copy of bankruptcy proceedings with status and explanation
• Explanation letter for any late payments, judgments, liens, bankruptcy or foreclosure
• Gift letter or explanation of source of funds for closing costs

CURRENT PROPERTY INFORMATION

• Copy of your homeowner’s insurance and flood policy on all property owned
• Copy of your most recent property tax bill and the due date on all property owned
• Most recent mortgage statement on all property owned
• Closing statements from sale of current property owned
• Name and address of current landlord with cancelled rent checks for the past year

PURCHASE PROPERTY INFORMATION

• Copy of fully executed Sales Contract (If construction loan, a copy of plans and specifications)
• Legal description from survey, deed, or title work

VA LOAN INFORMATION

• Copy of your DD214