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Past two years: 

  • Pay stubs (last 30 days)
  • Statements for each bank & assets (past 90 days) ALL PAGES EVEN IF BLANK
  • Explanation and source for any large deposits showing on statements
  • Signed past 2 years Federal Tax Returns all pages
  • W-2’s - Past 2 years (please include any 1099)
  • Two year work history - Must include: Name, addresses, contact info of each employer/source of income
  • Driver's License (front and back)
  • Social Security Card (front and back)
  • Recent P&L (if self employed)
  • Corporate or partnership tax returns (if you own 25% of a company)
  • K-1’s if ownership in any S Corps

  • Executed Purchase Agreement (for purchases only)
  • Current Mortgage Statement (for refinance only)
  • Insurance documentation for subject property


  • Disclosure of all debts outstanding

For All Real Estate Owned:

  • Current rental agreements (if applicable)

  • Mortgage Statement for all outstanding mortgages

  • Homeowner's Insurance 

  • Homeowner's Association information and statement (if applicable)

  • Property Tax Bill

For Individuals with Retirement Income:

  • Pension Award Letter

  • Social Security Award Letter

For Individuals Claiming Child Support:

  • Copy of divorce settlement

  • Statement of Child Support Payment or Bank Statements showing direct deposit 

Explanation of Derogatory Credit Report Items:

  • Late payments

  • Credit inquiries in the last 90 days

  • Charge-offs

  • Collections, judgments and/or liens

  • Bankruptcy filed within last seven years

  • Bankruptcy papers required​


  • Borrower Credit Card Authorization
  • Borrower Signature Authorization
  • Affiliate Business Disclosure