Necessary Data For Loan Application
Your loan officer will let you know what he/she will need to complete a loan application.  The following are items typically needed in the loan process, so to be prepared you may want to start putting these items together now.

• Fully ratified sales contract and addenda ( we will provide this to your lender).
• 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 year’s complete, ratified federal individual and corporate tax returns.  Year-to-date profit and loss, dated within the last 90 days.
• One year lease on all investment properties.  May need tax returns as well.
• 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 statement for these loans.
• Name, address and phone number of current landlord (if renting).  Copy of listing, lease and/or sales contract for present home (if owned).
• Copy of car title if auto is owned free and clear and less than five years old.
• Social security card and picture ID (FHA loans).
• DD-214 and Certificate of Eligibility (VA loans).
• Check for application fee.