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Application Prep Kit

To save yourself time and frustration during your loan process, start gathering all the documentation listed below. In addition, bring copies of any other documentation you feel may be needed to your loan application appointment. The printer-friendly prep kit below is presented in Adobe Acrobat format. If you do not have the ability to view documents in Adobe Acrobat, download it now for free.

• Name, age, and social security number of borrower(s).
• Residence addresses for the past two years. If renting, names and addresses of landlords for the past two years.
• Income
  • Employer names and addresses for the past two years and length of time on the job.
  • Most recent pay stubs covering 30 days, and last two years’ W-2 forms (1099s if applicable).
  • If any income is earned with commissions or bonuses: last two years’ federal tax returns (with all schedules).
  • If self-employed: last two years’ personal and business tax returns and year-to-date profit and loss statement with balance sheet, last 90 days to current.
  • Documentation of other income, such as alimony*, child support*, VA benefits, social security, etc. (*Alimony, child support, or seperate maintenance income need not be revealed if you do not choose to have it considered in determining your creditworthiness and for repaying your loan.)
  • Rental income: copy of lease(s) and last two years’ tax returns with Schedule E.
• Assets
  • Last two months’ complete bank, credit union, or brokerage statements for checking, savings, CD, IRAs, Keoghs, 401Ks, or any other asset accounts.
  • Make, model, year, and value of automobile(s), boat, etc.
• Creditors
  • Names, account numbers, current balances, and monthly payments on all open loan and revolving charge accounts.
  • Amount of child support paid (if applicable) and copy of divorce decree and/or separation agreement.
  • Name, address of lender, and account number on all presently owned property.
• Bankruptcy and/or Adverse Credit
  • Bankruptcy discharge and all schedules.
  • Information on any other adverse credit (judgments, collections, etc.)
• Miscellaneous Information
  • Childcare expenses (VA only).
  • DD 214 and Certificate of Eligibility (VA only).
• Check or money order for appraisal and credit report fees.