Supporting Documents
The information you might need to provide at the time of your application is provided here in a convenient checklist. You should be aware that you and your spouse (or other co-borrower(s)) must provide all requested information.
Purchase Contract And Property Information
- Complete copy of the purchase & sales contract signed by both buyers and sellers
- Contact information for access to the property
- Plans and specifications (new construction only)
- Evidence of septic pumping and county certification (FHA and VA loans only)
- Copy of current well test and county certification (FHA and VA loans only)
Personal Information
- Social Security Number
- Age
- Years of Schooling
- Marital Status
- Number and age of dependents
- Current address and telephone number
- Address for past two years (if more than one)
- Current housing expenses (rent, mortgage, insurance and taxes)
- Name and address of landlord/mortgage holder (past two years only)
Employment History And Income
- Two years of employment history
- Recent 30 day's worth of paystubs and 2 years of W-2 forms
- If self employed, complete personal and corporate tax returns with current profit and loss statement
- Records of dividends and interest received
- Proof of other income (award letters for social security, retirement, pension or military retirement)
Assets
- Current 3 months' statements for bank and money market accounts
- Current statements for stocks, bonds, mutual funds, and other investments
- Vested interest in retirement funds
- Face amount and cash value of life insurance
- Information on any cars you own
- Information on any real estate you own
- Value of any significant personal property you own
Liabilities And Debts
- Itemized list of all current debts: loans, credit cards, child support payments, 401k loans and any other bills
- Written explanation of any past credit problems
- Full details of bankruptcy during the last 7 years, if applicable
Additional Items Needed
- Copy of divorce decree, which should include property settlement statement and order of child support
- Complete bankruptcy papers, discharge notice and any other supporting documentation (if bankruptcy occurred in last 7 years)
- Original certificate of eligibility (VA loans only)
- Copy of DD214 or Statement of Service (VA loans only)