Preparing to Make an Application

Asset Verification
You will need (where applicable):
• Most recent bank statement of deposit accounts
• Copies of Stock and Bond certificates or most recent statement of valuation
• Make, model, and value of vehicles, boats, etc.

Creditor Verification
• You will need (where applicable):
• Loans: account numbers, addresses, balances, and monthly payments
• Credit Cards: account numbers and last statement to show outstanding balances

Income Verification
You will need (where applicable):
• Past 2 years of employment history including address, phone numbers and length of time on the job
• Most recent pay stubs - 30 day minimum (2 months for VA)
• Verification of other income: Social Security, child support, retirement, etc.
• Copy of contract or listing agreement for home you are selling (if applicable)
• Copy of leases for all rental properties owned
• Prior year tax returns (IHAP loans only)

Miscellaneous
You may also need:
• Name and address of all landlords for past two years
• Signed Purchase Agreement, copy of Listing Sheet and Sellers Disclosure
• Bankruptcy discharge and schedule of creditors (if applicable)
• Divorce decrees including property settlements, quit claim deeds, etc. (if applicable)
• Copy of driver's license and social security card for each borrower (FHA/VA only)
• Certificate of eligibility or DD214 (VA only)

Who Can Help You?