Please have copies of all the following items ready when you meet with your loan officer:

Income:

• Two year employment history with addresses, phone numbers, length of time on jobs, plus income.
• Two most recent paystubs and two years tax returns, including W-2 forms.
• Verification of other income, such as stock dividends, child support, etc.
• If self-employed or commissioned, furnish past two years tax returns, include all schedules and a profit/loss statement for current year.

Assets:

• Last three months bank statements for all checking, savings, CD's, stock and 401 K's.
• Year, make, model and current market value of all cars, boats, RV's, etc.

Creditors:

• Credit Cards: Account numbers, current balances (including any with "0" balance), and minimum monthly payments.
• Installment Loans: Account numbers, current balances and payments.
• Mortgage Loans: Names and address of lender, account number, loan balance and payment on all properties currently owned or sold within the last five years; bring settlement sheets and warranty deeds on properties sold.
• Name, address and phone number of landlord.

Other:

• Divorce decrees signed by Judge and separation agreement, including all modifications.
• Sales contract on the new home you are purchasing and Realtor's brochure.
• Sales contract/listing agreement on your present home.
• Check for appraisal and credit report.

VA Loans Only:

• DD214 and Certification of Eligibility.
• Name, address, phone number and weekly cost for child care provider.

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