Submission Documents

 

Income

  • Most Recent W2 and YTD Paystub

  • Most Recent Personal and Business Tax Returns (S/E Borrowers, Applications w/Rental Property)

  • Leave & Earnings Statement (Military Borrowers)

  • Social Security Award Letter + 2 Months Bank Statements showing direct deposit (SSI Income)

  • Pension Statement/Award Letter (Retirement Income)

  • Proof of Most Recent Distribution + 36 Month Continuance (Structured Distribution Income for 59.5 year old or older from IRA)

  • Employment Offer Letter (Future Income)

Property Documents

  • Most recent mortgage/secondary financing statements for all properties owned and financed

  • Current Insurance Declaration Page for all properties owned

  • HOA Coupon or other proof of monthly obligation

  • Tax Bill/Cert

  • Property Profile for properties owned

  • Lease Agreements

Assets

  • Most recent 2 monthly or single quarterly asset/retirement statements

  • Proof of Large Deposits + LOX

  • Copy of EMD Check and/or liquidation

  • Gift Letter/Giftor Information

Credit

  • Credit Report

  • Derog Credit Letter

  • Inquiry Letter

  • Proof of Balances to Support Rapid Rescore Request

Purchases

  • Purchase Agreement

  • EMD Copy and Receipt

Other

  • Gov’t Issue ID

  • Credit Card Auth Forms for Appraisal Order

  • Credit Report