•Fully ratified sales contract and addenda or copy of Deed and Note(s) for refinances.

•Most recent original pay stubs covering a 30-day period.

•Original W-2s for past two years.

•For self employed and commissioned only. Two most recent years complete, ratified federal individual and corporate tax returns. Year-to-date profit and loss dated within 90 days.

•One year lease and tax returns for all investment properties.

•Proof of any additional income needed to qualify.

•Gift letter and proof of donor’s ability to give.

•Original bank statements (all pages) covering most recent three-month period.

•Child care statement (VA loans), divorce decree, separation agreement.

•List of all debts owed, account numbers, balances and monthly payments. Copy of payment books or statements for these loans if not on credit report.

•Name, address and phone number of current landlord (if renting). Copy of listing, lease and/or sales contract for present home (if own).

•Copy of car title if auto is owned free and clear and less than four years old.

•Social security card and picture ID.

•D-214 and Certificate of Eligibility (VA Loans).

•Check for application fee.