Required Documents for a Smooth Loan Process

• Past two (2) years W-2 statements.
• Pay Stubs covering the last (30) thirty days.
• Most recent three months banks statements.
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts.
• Photocopies of any stocks or certificates of deposits.
• Copy of the purchase and sale agreement.
• If you are currently renting: either 12 months canceled rent checks or the name and address of your current landlord.
• If divorced: a fully executed divorce decree.
• For a refinance, a copy of the deed, and most recent tax bill.
• A letter of explanation for any known credit problems.

For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

• Two (2) years signed personal tax returns- including all schedules.
• If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.