How To Expedite the Loan Process

In order to expedite your loan process, please bring the following items with you to your loan appointment:

• Copy of fully executed Sales Contract.
• Check for the credit report.
• Two (2) years of recent and consecutive W-2 Statements from ALL employers, for ALL borrowers.
• Two (2) most recent and consecutive pay stubs

  • from ALL employers
  • for ALL borrowers
  • covering a full 30 day pay period
  • listing year-to-date information

• Twelve (12) months canceled Mortgage or Rent checks covering the past 12 months period, and year end Mortgage Statement.
• Three (3) recent and consecutive bank statements from any bank account to be utilized as funds available for loan closing costs, down payment, and cash reserves.
• Most recent IRA/401K/Mutual Fund Stock statements.
• Final Decree of Divorce with all schedules and petitions attached (if applicable).
• Bankruptcy Documents - include letter of explanation, petition and discharge papers along with any other supporting documents(s) you feel explains your case (if applicable).
• Copy of Social Security Card and Photo ID for ALL borrowers.
• Executed Gift Letter along with supporting documentation (if applicable).
• Any letters of explanation.
• If vehicles are owned free and clear, provide a copy of the Title.

• Two (2) years of recent, consecutive Personal Tax Returns with all schedules attached.
• Two (2) years of recent, consecutive Corporate or Partnership Tax Returns with all schedules.
• Year-to-date Income Statement and Statement of Operations (or comparable statements).
• Copy of Property Lease/Rental Agreement(s) for rental properties owned.