When you complete a home loan application on our website, it is 100 percent fully secure. And we never, ever share it with anyone except by permission -- that is, the information you provide us is used to get you the best loan. 

Here is a list of the information needed to consider your loan application.

Social Security Numbers for all borrowers on the loan.

Employment History
A two year history including, employment dates, addresses, salary.
Current pay stubs or W-2 forms. If you were in school as part of your two year history, we will need a copy of your diploma.

Check and Savings Accounts and Certificates of Deposit
Last 2 months' statements (please include all pages even if they are blank.)

Stocks, Bonds, and Investment Accounts
Last 2 months' statements or copies of stock certificates (please include all pages even if they are blank.)

Life Insurance Policies
Insurance company, policy number, face amount, cash value, if any.

Retirement Accounts
Approximate vested interest value
Last 2 month's statment or most recent quarterly statmen (please include all pages even if they are blank.)

Automobiles
Make and model of automobiles, their estimated resale value.

Other Assets
Market value of personal and household property.

Liabilities and Other Non-Mortgage Debt
ave which may not appear on your credit report, please provide them to us including the monthly payments and balances.

If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

If employed in family business
Personal federal income tax returns and all schedules for the past two years

If divorced or separated
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement

Name, address and phone number of landlords for the past 24 months.

A fully ratified purchase sales contract with all addenda. 

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing
Evidence of Social Security Number (copy of your social security card) and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications