DOCUMENTS NEEDED:

PURCHASE

• Last 2 years tax returns, complete returns all schedules
  If Self -Employed, include copy of Business Returns w/ K-1s and Contact info for CPA
• Last 2 years w-2’s or 1099’s
• Paystubs- 30 days’ worth
• Most recent 2 months bank statements- that will be used for Down Payment or
• Reserves on the loan-if using Retirement funds-need proof of liquidation
• Copy of you driver’s license
• Clear copy of the fully executed agreement of sale
• Termite report (when received)
• Completed Authorization for Appraisal fee
• Copy of any Deposit Checks on Contract (Front and Bank)
• Homeowner Agent Contact information for a quote
• If Gift Funds are to be used- need Gift letter completed

REFINANCE

• The month and year you purchased your property being refinanced
• Copy of Mortgage Statement
• If a second Mortgage is on the property - need a copy of the note
• Homeowners insurance information Declarations Page

MISCELLANEOUS ITEMS (if applicable)

• If Bankruptcy was filed in last 7 years - need paperwork all schedules
• If Divorce/Alimony claimed on Tax returns - need divorce decree or agreement
• Multiple Properties Owned- need mortgage statements, HOI and tax statements on all properties.
• Lease agreements if properties are rentals.