Preparing to Obtain Your Loan

The key to quick approval is a complete application. Providing this information at the time of application will help us to provide you with prompt service. Here is a checklist to help. This checklist is also available a a printable form.

All applicants please provide the following:

_______ Most recent 30 days paystubs, showing year to date income
_______ Most recent 3 months bank,s tocks, money market, retirment statements
_______ Most recent hazard and property tax bill for other real estate owned
_______ Divorce degree or separation agreement if applicable
_______ For gifts, please enclose gift letter, copy of gift check, and deposit slip
_______ After sales agreement is signed, $375 check to cover loan application (appraisal $300, processing fee, $75)

Applicants with significant bonus, commission, or overtime should also provide:

_______ Most recent 2 years tax returns, signed copies

Self-employed applicants, in lieu of pay stubs, please provide
:
_______ Most recent 2 years income tax returns personal, partnership, corporate, plus all schedules, signed copies
_______ Year-to-date profit and loss

If a new purchase, please provide:

_______ Copy of sales contract for the property you wish to purchase
_______ Copy of the earnest money deoposit check(s)
_______ Copy of sales contract for the property you are selling, if applicable
_______ 12 cancelled rent checks, or name, address, and phone number of landlord