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Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

  1. Complete the residential loan application, Form 1003, online or print out and complete.
  2. If you are salaried: provide W-2's for the previous two years and one month of paystubs. If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.)
  3. If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules.
  4. To speed up the approval process, provide bank statements for the most recent three months, and recent statements for stock, mutual funds and IRA/401K accounts.
  5. If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
  6. If applicable, provide a copy of your divorce decree and settlement agreement.
  7. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.