Below is a list of documents that are required when you apply for a mortgage.  However, every situation is unique and you may be required to provide additional documentation.  So, if you are asked for more information, be cooperative and provide the information requested as soon as possible.  It will help speed up the application process.

Your Property

• Copy of signed sales contract including all riders
• Verification of the deposit you placed on the home
• Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved.
• Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget.)

Your Income

• Copies of your pay-stubs for the most recent 30 day period and year-to-date
• Copies of your W-2 forms for the past two years
• Names and addresses of all employers for the last two years
• Letter explaining any gaps in employment in the past two years
• Work visa or green card (copy of front and back)

If self-employed or receive commission or bonus, interest/dividends, or rental income

• Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements.  If you have filed an extension. please supply a copy of the extension.)
• K-1's for all partnerships and S-Corporations for the last two years (please double-check your return.  Most K-1's are not attached to the 1040.)
• Complete and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years.  (Required if only your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify

• Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

If you receive Social Security income, Disability or VA benefits

• Provide award letter from agency or organization

Source of Funds and Down Payment

• Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing you must provide a settlement/closing statement.)