SPEED UP THE LOAN APPROVAL PROCESS

Present all or some of the of the following to your mortgage loan originator when you meet:

– Residence History

• Your street address, or addresses, for the past 2 years
• If you rent: your landlord's name, address and phone number
• If you own: your mortgage lender's name and your account number

– Employment History

• Name, address and phone number of any employer you've worked for in the past 2 years

– Income Information

• Your gross monthly salary or other income¹
• Your year-to-date pay stub
• Your W2 forms for the past 2 years
• Signed tax returns if you worked on commission or if you wish to use interest, dividend or bonus income to qualify for your loan
• If you are self employed, signed tax returns for the past 2 years and current Profit & Loss statement and Balance Sheet
• If you are not currently employed, bring proof of other sources of income (Awards letter or 1099 for two years)

– Deposit, Retirement and Equities Account Information

• Name of financial institution, account number and balance on all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts - including statements for the past two months

– Real Estate Information

• Address, market value and loan information on all real estate you own
• Copies of leases on any rental property you own

– Fees

• Be prepared to make a payment by check for the credit report

– Other

• Please bring a government-issued photo ID (i.e.. driver's license, state-issued non-driver's ID, US military ID)
• If you are applying for a VA Loan, please bring your military discharge papers (Form DD214) and Certificate of Eligibility