In order to fully assist you, you will need to reference some important documents. Listed below are some of the documents that will be required during the mortgage application process (some loan programs may require additional information). To get you started and make your application process much smoother, you can get started by organizing them before you speak to one of our mortgage professionals.

• Remember to make a copy of everything, and keep the original documents in a safe place.

• Employment Information
In order to verify your employment, we will require the names, addresses and telephone numbers of all your employers for the last two years. If you're self-employed, your business records and tax returns for the last three years will be requested.

• W-2 Forms
Your W-2 form is sent from your employer and used to file for income taxes. You will need to produce your W-2s for the past two years.

• Pay Stubs and Additional income
It will be required for you to submit your pay stubs for at least a 3 to 4 week period. Documentation of additional income information, such as Social Security, Pension, interest or dividends, rental income, child support, alimony, and self-employment income may be requested.

• Federal Income Tax Returns
If you are self employed, or more than 25 % of your income comes from commission, overtime or bonuses, you may need to provide complete copies of federal income tax returns you filed for the two most recent years.

• Account Statements
You may need to provide statements from all of your accounts (checking, savings, mutual funds, money markets, certificates of deposits, 401k or other retirement accounts) for the last two months to verify the funds available for your down payment.

• Current Debts
Be prepared to provide the account numbers, current balances and minimum monthly payments of al credit accounts, such as loans, credit cards, child support and other payments you make each month.