This is a general list -- you may not need all of the following:
Check for appraisal fee
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of current mortgage statement.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).
Income & Assets
Pay stubs for the last 30 days & w-2s
For the past two years:
Names and addresses of each employer.
Tax returns (if self employed)
Statements for each bank, mutual fund, and/or investment account for the last two months.
Estimated value of personal property and furniture.
If you have made any large deposits to your accounts:
Explanation and source for deposit.
If large deposit was a gift:
Signed gift letter (lender can supply).
Copy of gift check.
Copy of deposit receipt.
If you own more than 25% of a business:
Corporate or partnership tax returns.
If self-employed:
Tax returns for the last two years (with schedules).
Year-to-Date Profit and Loss Statement.
If you own rental property:
Current rental agreements & Tax returns for previous 2 years
If you are retired:
Pension Award Letter.
If you receive Social Security:
Social Security Award Letter.
If you are counting child support as income:
Copy of divorce settlement.
Copy of twelve months of cancelled child support checks.
Debts
Names, addresses, account numbers, balances and monthly payments for debts not on the credit report.
Prepare to explain credit report anomalies, including:
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
VA Loans
Copy of DD Form 214, Report of Separation.
Miscellaneous
Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.
Douglas County Office -- From Hwy 395 south of Carson City turn into the Home Depot/Target Center 951 Jack's Valley Rd, Ste E, Carson City NV 89705 Phone: 775-782-0333/ FAX: 775-267-3354
NV Mortgage Lending Div Broker #144 & CA Dept of Corp Finance Lenders License #603E110
