To help ensure that the mortgage loan process works as quickly for you as it can, please be sure to bring each of the items listed below when you apply.

For all fixed-rate mortgages, we will need:

• Last 2 pay stubs covering last 30 days.
• Last 2 months statements from all credit unions, banks, and investments held.
• Last 2 years W-2’s.
• To lock in a fixed-rate, we will need $300 as a deposit. This will be deducted from your final closing costs.

For Purchases, we also need the following:

• Copy of your accepted offer to purchase including all addendums and real estate condition report.
• Copy of the MLS sheet (the picture and description of the home.)
• Name of your real estate agent and their contact information.
• Seller’s name, phone number and real estate agent information if applicable.

If you are self-employed, we will also need:

Sole Proprietorship:

• Copies of personal tax returns (Form 1040) with all schedules (total tax return) including Schedule C and W-2s for most recent two years. Re-sign all forms where signatures were required using current date.
• Copies of signed business balance sheet and year-to-date profit and loss statement for current year.

Corporation or Partnership:

• Copies of personal tax returns (Form 1040) with all schedules (total tax return) for most recent two years. Re-sign all forms where signatures were required using current date.
• Copies of business tax returns including all schedules (total tax return) for most recent two years. Re-sign all forms where signatures were required using current date.
• Copies of year-to-date profit and loss statement for current year.
  • Corporation-Need copies of W-2s.
  • Partnership-Need copies of Schedule K

Commission Income Earnings:

• Copies of personal tax returns (Form 1040) with all schedules (total tax return) including W-2s for most recent two years. Resign Form 1040 using current date.