1. Last two years W-2s and current pay stubs covering one month for
   salaried employees.
2. Self-Employed persons please provide
   the last two years of tax returns and an YTD profit and loss statement.
3. For rental properties please provide rental agreements and the
   last two years of tax returns.
4. The last three months of current bank statements for each account.
5. Copies of 401K, IRA, Pension or other retirement savings.
6. Divorce Decree, if applicable.
7. Bankruptcy papers (all schedules) and Discharge if applicable.
8. Name and address of your landlord, if applicable
9. Letter to explain any derogatory credit.

Refinance a Home

1. Last two years W-2 and one month of current pay stubs for salaried
   employees.
2. Self-Employed persons please provide
   the last two years of tax returns and an YTD profit and loss statement.
3. For rental properties please provide rental agreements and the
   last two years of tax returns.
4. Most recent mortgage statements on all owned properties.
5. The last three months of current bank statements for each account.
6. Copies of 401K, IRA, Pension or other retirement savings.
7. Divorce Decree, if applicable.
8. Copy of Homeowners/Hazard Insurance Policy
9. Names, address, phone numbers and account numbers of creditors
   to be paid at closing.

Get a Credit Report
Obtaining a credit report is essential and it has to be done in the
early phase of the loan application and loan process. A lender is not
in a position to offer or quote an interest rate or a loan
program without knowing your FICO score or without examining your
credit report. Perfect credit, not so perfect credit, or even bad credit
doesn’t imply that you are automatically approved or can not be approved
for a loan, and it also doesn’t imply that you have less chances with
bad and more chances with good credit. It is merely a device to determine
a loan program and interest rate, but an essential and necessary step
that every loan applicant must take.

1. Credit report
2. Employment and income history
3. Personal Assets; bank accounts, stocks, pension, mutual funds, 401K,
   and IRA.
4. Property value and title report

Additional documents or verifications may be requested depending on your
individual situation.

Helpful hints to improve your chances of a loan approval:

1. Fill out the loan application completely and clearly.
2. Provide requested documents requested in a prompt manner, this can
   be especially crucial if you have planned to close your loan on a
   certain date or have a rate locked in.
3. Do NOT make any large purchases. Increasing your debt can have a
   negative affect on your current application. Large purchases include,
   but are not limited to: automobiles, furniture, appliances, another
   house or time-share.
4. Bank account balances may be verified shortly before the close of
   a loan, be sure not to move money out of your account. If you move
   money into your account you will need to show where it came from.
   If you are receiving a “gift of money” from a friend or
   relative be sure contact your loan officer to get a form to use as
   a “gift letter”.

After your complete loan application is approved and any additional items
have been turned in your final closing papers will be drawn. You will
be contacted for an appointment to sign them in front of a notary. After
you sign, they will be returned to the lender for final review and funding.
After the loan is funded and the money is disbursed, title to the home
will record in your name.