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The mortgage process generates a significant amount of paperwork. To help you stay organized, here's a list of the documents you'll be required to present throughout the process. Please see the guidelines below to get a feel for the type of information you will need to provide.

The following documentation is usually required during the loan process:

• Most recent 30 days of pay stubs from all jobs/employment
• Most recent 2 months of bank statements
• Most recent 2 years of W-2s from all jobs
• Most recent 2 years of Federal Tax Returns if you file a schedule C, E, or F, or claim employee business expenses
• Copies of state issued picture ID

The following additional documents may be required if they apply to you:

• Bankruptcy discharge papers & copy of Bankruptcy Petition with all schedules if discharged in the last 7 years
• Foreclosure documentation (Sheriff Sale Deed)
• Divorce decree if ongoing financial obligation or property award is involved
• Copy of all child support orders
• Social Security award letter
• Income Award letters (Social Security, Pension, VA Disability)
• Current 401(k), IRA or investment account statement

Helpful Tips:

• Documents must be submitted in their entirety. If the first page of a document reads, "1 of 6," we will need all 6 pages of that document, even if some are blank.
• We always need consecutive documents. If we request 2 months of bank statements, each day in those 2 months must be represented in all statements.
• If you have received a financial gift to help you with your down payment, the donor will need to fill out a gift letter (which we will provide) and provide a bank statement to verify they have sufficient funding.