INCOME ITEMS
	Signed and dated copies of Federal Tax Returns (with all schedules) for the previous two (2) years.
	W-2 for previous two years
	Year to date Profit and Loss Statement and Financial Statements (for self employed borrowers)
	4 Most Recent paystubs showing year to date earnings
	Rental / Lease agreements for income property(s)
	Copy of any note(s) due to You
	Child support / Alimony Collected (proof of receipt for 12 months)

		PROOF OR EXPLANATION OF:
		Commissions
		Bonuses
		Overtime
		Other (Dividend / Interest / Pension, Etc)

	ASSET ITEMS
	3 Months Bank Statements
	Gift Letter and Proof of Donor's Assets ( Bank / Stock / Bond / etc Statements)
	Stock or Bond Statements, Life Insurance Statements, Pension Plan, 401K, or IRA Statements
	Explanation of Sources of funds to be able to close for down payment and closing cost
	If assets from sale of another property, Contract of sale or attorney letter
	Other (Homeowner / Investment Club or Society, Any Major Assets)
	CREDIT ITEMS
	Recent Credit Report, credit report should be ordered before meeting with Lender Representative
	If you have no credit, Utility receipts, phone bills, lay a way letter, landlord letter or rent receipts, etc.
	Payment Histories with Other Creditors
	OTHER
	Separation / Divorce / Child Support Agreements
	Contact of Sale or Binder from REALTOR
	Photo ID (Driver License, Passport, Green Card), Social Security Card
	Other Pertinent Documentation:

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