* After you have completed the Application, you will need to gather these items:

• Pay stubs (recent 2 months), W-2 forms, tax returns for two years
• Your bank info... account numbers, branch address, plus past 3 months statements of checking and savings
• Copies of Credit card statements for the past 3 billing periods, or if limited credit, then canceled checks for rent or utility bill payments, to show payment history and amount of revolving debt
• statements on car loans, furniture loans, student loans and other retail credit cards
• Copy of statement verifying source and amount of down-payment (Proof of Funds)
• Any gift letters, if you are using a gift from a parent or blood relative. This letter simply states that the money is in fact a gift and will not have to be repaid.
• Usually an appraisal fee will be paid upfront by you when you submit the mortgage application.
• IF self-employed - Balance sheets and 2 years tax returns 
  • proof of employment such as business license and/or CPA letter
  • income verification such as Certified Profit & Loss statements 

Having these items will help speed up the application process.  After you speak with us, you should have a general idea if you qualify for the size and type of loan you want.