Supporting Documents

The information you might need to provide at the time of your application is provided here in a convenient checklist. You should be aware that you and your spouse, or other co-borrower(s), must provide all requested information.

Purchase Contract and Property Information

  • Complete copy of the purchase and sales contract signed by both buyers and sellers with all addendums
  • Contact information for access to the property
  • Plans and specifications (new construction only)
  • Evidence of septic pumping and county certification (FHA and VA loans only if applicable)
  • Copy of current well test and county certification (FHA and VA loans only if applicable)

Personal Information

  • Social Security Number
  • Age/Birthdate
  • Years of Schooling
  • Marital Status (if divorced, need copy of the final recorded divorce decree) 
  • Number and age of dependents
  • Current address and telephone number  
  • Address for past two years (if more than one, full two year history from mo/yr to mo yr for each borrower)
  • Current housing expenses (rent, mortgage, insurance and taxes)
  • Name and address of landlord/mortgage holder (past two years only)

Employment History and Income

  • Two years of employment history (from mo/year to mo/yr each borrower) 
  • Recent 30 day's worth of paystubs and 2 years of W-2 forms
  • If self employed, complete personal and corporate tax returns last two years filed (may need current profit and loss statement)
  • Records of dividends and interest received
  • Proof of other income (award letters for social security, retirement, pension or military retirement)


  • Current 2 months' statements for bank and money market accounts and next months' statement
  • Current 2 months' statements for stocks, bonds, mutual funds, and other investments
  • Vested interest in retirement funds
  • Face amount and cash value of life insurance
  • Information on any cars you own
  • Information on any real estate you own including the liabilities
  • Value of any significant personal property you own

Liabilities and Debts

  • Itemized list of all current debts: loans, credit cards, child support payments, 401k loans, and any other bills
  • Written explanation of any past credit problems
  • Full details of bankruptcy during the last 7 years, if applicable

Additional Items Needed

  • Copy of divorce decree, which should include property settlement statement and order of child support
  • Complete bankruptcy papers, discharge notice and any other supporting documentation (if bankruptcy occurred in last 7 years)
  • Original certificate of eligibility (VA loans only)
  • Copy of DD214 or Statement of Service (VA loans only)
  • Two forms of ID for each borrower 


  • Credit Card Autho for initial credit report and appraisal fees (usually $600 for appraisal & 37.50 for merged credit data) or less