For All Transactions

• Copy of W-2 forms for the last year for each borrower

• Most recent pay-stub showing year-to-date info for each borrower

• Other income (if applicable): Copy of Social Security / Retirement / Disability award letter and copy of monthly check

• If child support is used as income, a copy of the child support Court Order and three most recent months of cancelled checks (additional checks may be required).

• If self-employed or commissioned, two years signed personal federal tax return including all schedules

• All pages of your most recent bank statement from every account you have (checking, savings, retirement, etc.)

• If you have sold your home in the last 3 months, a copy of the HUD-1 settlement statement

• Complete divorce decree or separation agreement (if applicable)

• Copy of Green Card or Work Visa (if applicable)

For All Purchase Transactions

• A copy of the complete Purchase and Sales Contract signed by all parties

• A copy of the deposit check

• If listed in MLS, a copy of the listing agreement

For Refinance Transactions

• Current mortgage and/or home equity statement sowing loan balance

• Current property tax bill/homeowner’s insurance