Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

Unexpired ID 

• Copy of unexpired driver's license OR passport OR government issued photo ID
• For non US Citizens: Please provide copy of passport and unexpired VISA      

Property being purchased 

• Copy of signed sales contract including all riders
• Escrow deposit receipt 
• Purchase contract
• Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved

Property you currently own

• Most recent mortgage statement for all properties - all numbered pages even if blank 
• Recent Homeowners Insurance bill or Declarations page, for all properties - must reflect coverages and annual premium 
• Most recent property tax bill, for all properties 
• For Condos: Most recent HOA Dues bill or payment ledger, for all properties  

Your Income

• Copies of your pay-stubs for the most recent 30-day period and year-to-date
• Copies of your W-2 forms for the past two years
• Names and addresses of all employers for the last two years
• Start and end dates for all employers for the last two years
• Letter explaining any gaps in employment exceeding one month in the past 2 years
• Work visa or green card (copy front & back, if applicable) 

If self-employed or receive commission or bonus, interest/dividends, or rental income:

• Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)
• K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)
• Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify:

• Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

If you receive Social Security income, Disability or VA benefits:

• Provide award letter from agency or organization
• Most recent bank statement with evidence of deposit of benefit income (if direct deposit) 

Source of Funds and Down Payment

• Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
• Savings, checking or money market funds - provide copies of bank statements for the last 2 months - all numbered pages even if blank.
• Stocks and bonds - provide 2 months most recent consecutive statements - all numbered pages even if blank
• Gifts - If part of your cash to close will be a gift - we will need a signed gift letter (we will provide a template) 
• Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation

Debt or Obligations

• Provide evidence of 12 months timely rent payments (if current residence is a rental) 
• If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligations