Loan Approval Checklist In general, to complete your approval you will need: Property Information (if you already have a contract on a house) Purchase Agreement. Copy of legal description and MLS Number or Address. If you are selling your current home, copy of listing contract. If you have sold your current home, copy of final, signed Settlement Statement (HUD-1). Income & Assets Pay stubs for the last 30 days. For the past two years:   Names and addresses of each employer. W-2s (for all employers) Statements for each bank, mutual fund, and/or investment account for the last month.     If you have made any large deposits to your accounts:   Explanation and source for deposit. If large deposit was a gift:   Signed gift letter (we can supply) Copy of gift check Copy of deposit receipt   If you own more than 25% of a business:   Corporate or partnership tax returns.   If self-employed:   Tax returns for the last three years (with schedules). Year-to-Date Profit and Loss Statement prepared by your accountant.   If you own rental property:   Tax returns for the last two years and current rental lease agreements.   If you are retired:   Pension Award Letter.     If you receive Social Security:   Social Security Award Letter.   If you are counting child support/alimony as income:   Copy of divorce settlement/child support award letter. Copy of twelve months of cancelled child support checks. Debts Names, addresses, account numbers, balances and monthly payments on all current loans (we can get these from your credit report). Explanation of credit report anomalies, including (we'll let you know if we need anything):   Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers). VA Loans Copy of DD Form 214, Report of Separation. Miscellaneous Photo ID and proof of Social Security number (at closing). Residence (address) history for the past two years. If applicable, a copy of your divorce decree. If you are not a citizen, a copy of the front and back of your green card.     State: County: City: Zip:

 If time is of the essence, call today for immediate answers to all of your questions. Put 25+ years of experience in real estate to work for you.  Home buyers you can get 100% financing on eligible property with no monthly MI charges with rates in the 4.5% range (subject to change without notice)  .

To find out just what we can offer you please be sure to complete our Secure loan application by CLICKING HERE 

If you prefer to complete the application over the phone or by mail, please give us a call today and we will rush your FREE package out to you.