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Supporting Documents


The information you might need to provide at the time of your application is provided here in a convenient checklist. You should be aware that you and your spouse (or other co-borrower(s)) must provide all requested information.

Purchase Contract And Property Information

  • Complete copy of the purchase & sales contract signed by both buyers and sellers
  • Contact information for access to the property
  • Plans and specifications (new construction only)
  • Evidence of septic pumping and county certification (FHA and VA loans only)
  • Copy of current well test and county certification (FHA and VA loans only)

Personal Information

  • Social Security Number
  • Age
  • Years of Schooling
  • Marital Status
  • Number and age of dependents
  • Current address and telephone number
  • Address for past two years (if more than one)
  • Current housing expenses (rent, mortgage, insurance and taxes)
  • Name and address of landlord/mortgage holder (past two years only)

Employment History And Income

  • Two years of employment history
  • Recent 30 day's worth of paystubs and 2 years of W-2 forms
  • If self employed, complete personal and corporate tax returns with current profit and loss statement
  • Records of dividends and interest received
  • Proof of other income (award letters for social security, retirement, pension or military retirement)

Assets

  • Current 3 months' statements for bank and money market accounts
  • Current statements for stocks, bonds, mutual funds, and other investments
  • Vested interest in retirement funds
  • Face amount and cash value of life insurance
  • Information on any cars you own
  • Information on any real estate you own
  • Value of any significant personal property you own

Liabilities And Debts

  • Itemized list of all current debts: loans, credit cards, child support payments, 401k loans and any other bills
  • Written explanation of any past credit problems
  • Full details of bankruptcy during the last 7 years, if applicable

Additional Items Needed

  • Copy of divorce decree, which should include property settlement statement and order of child support
  • Complete bankruptcy papers, discharge notice and any other supporting documentation (if bankruptcy occurred in last 7 years)
  • Original certificate of eligibility (VA loans only)
  • Copy of DD214 or Statement of Service (VA loans only)

Fees

  • Credit report and appraisal fees (usually $500 or less)