PURCHSE/RE-FINANCE

_____ COPY OF YOUR PURCHASE CONTRACT, SIGNED BY ALL BUYERS AND SELLERS.

_____  COPY OF EARNEST MONEY CHECK (FRONT AND BACK).

_____  ORIGINAL PAYSTUBS FOR 1 FULL MONTH (CONTINUE TO SAVE  STUBS UNTIL YOU CLOSE YOUR LOAN.

_____  ORIGINAL W-2 FORMS FOR THE LAST 2 YEARS FOR ALL JOBS WORKED.

_____  ORIGINAL TAX RETURNS FOR LAST 2 YEARS.

_____  ORIGINAL BANK STATEMENTS FOR THE PAST 2 MONTHS FOR ALL CHECKING, SAVINGS, 401K, IRA, AND INVESTMENT ACCOUNTS (ALL PAGES; CONTINUE TO SAVE STATEMENTS UNTIL YOU CLOSE.).

_____   LIST OF ALL CURRENT CREDITORS WITH ACCOUNT NUMBERS, MINIMUM MONTHLY PAYMENTS AND BALANCES.

_____   NAMES, ADDRESSES, AND PHONE NUMBERS OF LANDLORDS FOR THE LAST TWO YEARS IF RENTING.

_____   COPY OF HOMEOWNERS/FLOOD INSURANCE POLICY (AGENT NAME, PHONE #, AND ADDRESS).

_____   COPY OF DRIVERS LICENSE AND SOCIAL SECURITY CARD

IF YOU ARE SELF EMPLOYED OR HAVE COMMISSION INCOME

_____   COPIES OF YOUR LAST 2 YEARS PERSONAL AND BUSINESS FEDERAL SIGNED INCOME TAX RETURNS. (PLEASE RE-SIGN).

_____   YEAR TO DATE PROFIT AND LOSS STATEMENT AND BALANCE SHEET

IF YOU OWN OTHER PROPERTY

_____   IF SELLING HOME, BRING COPY OF YOUR SIGNED HUD-1 SETTLEMENT STATEMENT.  (IF SALE IS NOT YET COMPLETE, PLEASE PROVIDE COPY OF PURCHASE OFFER OR LISTING AGGREMENT).

_____   IF RENTAL PROPERTY, PROVIDE COPY OF CURRENT LEASE AND COPIES OF LAST 2 YEARS SIGNED FEDERAL INCOME TAX RETURNS. (RE-SIGN)

IF YOU ARE DIVORCED

_____   COMPLETE SIGNED COPY OF ALL DIVORCE DECREES AND SEPERATION AGREEMENTS.

_____   PROOF OF RECEIPT OF CHILD SUPPRORT/ALIMONY/SEPARATION MAINTENANCE PAYMENTS FOR LAST 12 MONTHS(IF USING INCOME TO QUALIFY).

MISCELLANEOUS ITEMS

_____   CLOSING ATTORNEY NAME, ADDRESS, AND PHONE NUMBERS.

_____   IF DURING PAST 2 YEARS, YOU HAVE A GAP IN EMPLOYMENT OF 30 DAYS OR MORE, INCLUDE A LETTER EXPLAINING THE REASON.

FEES

CREDIT REPORT -             $17

APPRAISAL            -            $325