Identity

• Full legal name, Social Security number, and birthdate (in some cases, you may be asked to provide a copy of your Social Security card)
• Phone number, email address, and current and former residential mailing addresses over the last two years
• Primary / secondary income amounts & sources
• Government-issued photo ID

Income Verification

• Name, addresses, and phone numbers of all employers over the last two years
• Monthly debt obligations
• Address of property being purchased, year built, est. down-payment amount, and purchase price
• Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

Income Verification (self employed)

• Federal tax returns (personal and business) for the past three years
• Profit and loss statement (year-to-date)
• List of all business debts

Income/Tax Documents

• IRS Form 4506-T – Request for tax transcript, completed, signed and dated
• Pay stubs covering the last 30 days
• W-2s for the past two years
• Federal tax returns (1040s) for the past two years
• Written explanation if employed less than two years or employment gap exists within the last two years

Credit Verification

• Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history
• Judicial Decree or court order for each obligation due to legal action
• Bankruptcy/discharge papers for any bankruptcies in credit history
• Payment history for public utilities, phone, cable TV

Asset Verification

• Asset/bank statements – Most recent two months’ statements for all accounts listed on the application (savings, checking, retirement, stock, bonds, etc.)
• *Include all pages of the statement, including ones that are blank.

Other

• Homeowners insurance information, including agent’s name, address, phone number and email address
• Phone number, email address, and current and former residential mailing addresses over the last two years
• Purchase contract signed by all parties