Here is a extensive list of the everything a mortgage lender copuld request to consider your loan application.  Keep in mind that today there are so many loan programs that require limited or different information that it is impossible to put a list on our site for each individual loan.  This list is very extensive and most likely you will not need one third of this information. We make it a priority to make the process as easy on you as possible and tailor each loan to keep your work to a minimum.  Sometimes if it warrants it to get a better interest rate we will ask for a lot of items but that is not the norm. At your your initial consultation we will share with you what we think we will need. 

Social Security Number, for borrower and co-borrower if applicable.

Employment History:
Job history for the last two years, employment dates, addresses, telephone numbers, and salary.
Current pay stubs, W-2 forms, and in some cases two years of tax returns.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

For Self employed Borrower's we may need a letter from your tax preparer or CPA stating your profession.  Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

Assets:                                                   Checking and Savings Accounts - Statements for 2 months reflecting account numbers, balances, and bank address.  Remember - always send every page of each statement.

Certificates of Deposit, stock accounts, Bonds, 401k, IRA's, Money market funds...Typically most recent statement including all pages is sufficient.

Life Insurance Policies
Insurance company, policy number, face amount, cash value, if any

Other Assets
Market value of personal and household property

If divorced or separated Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances, proof of taxes and insurance costs.

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement from the sale.

Name, address and phone number of landlord or management company for the past 24 months

Purchase sales contract or offer to purchase and all addenda. Furnish contract with legible signatures of buyer and seller.Aslo furnish a copy of the deposit check. 

If a source of your down payment is a gift:
Name, address and relationship of donor.  Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications

***Anything you submit over our website is 100 percent, fully secure on our server. We never, ever share your infromation except for the interested parties involved in completing the mortgage loan process.  We do share the infromation necessary to get you the best loan possible and nothing more. As well, those mortgage lenders that we submit too are bound by federal law to keep your information private and secure.