To begin the process, please provide the following to your loan officer : 

• Signed Sales Contract
• Current  month's pay stub(s) showing a Year-To-Date Income
• If self employed, your tax returns for the past two years
• Previous two years W-2's or 1099's
• Bank statements for the most recent two months
• Home Owner's Insurance policy information
• If funds to close are coming from 401K, IRA, Profit Sharing, Mutual Funds, or insurance, then provide statements to verify value and any terms of re-payment associated with the liquidation.

Other docementation that may be needed:

• Copy of canceled earnest money deposit check
• HUD-1 Settlement Statement for the closing of a current home
• Pending Sales contract on the sale of a current home
• Final Divorce Decree and Property Settlement Agreement
• Bankruptcy Discharge papers
• Permanent Resident Alien Registration Card, or Visa if not a US Citizen
• Fully Executed Gift Letter
• Trust Agreement
• College diploma or transcripts if recently graduated
• Lease agreements on rental property

If you currently own Real Estate:

• Statement of your mortgage loan that reflects your loan number, Escrow Payments, and mortgagor contact information
• Current Home Owner's Insurance policy declartion page