Loan Calculator

Please bring the following items with you when applying for your mortgage loan.  Your assistance will ensure that your loan application is processed in the shortest time possible.... days not weeks!

• Loan Application
• FHA Loan
• VA Loan
• Self-Employed
• Divorced
• Bankruptcy
• Miscellaneous

All Loan Applications

• Copy of Purchase Contract with all addendums signed by all buyers and sellers.

• Original pay stub (s) covering the last 30 days for all applicants.

• Original W-2 forms for the last two years for each applicant.

• Original bank statements for the past three months for all checking and savings accounts.

• Original investment account statements for the past three months, if applicable.

• Name, address and phone number of landlord if you are currently renting or have rented in the past 24 months.

• Last twelve months canceled mortgage payment/rent checks.

• A check for payment of the Application Fee.

• Verification of source of funds to close.

If You Are for a FHA Loan   (top)

• Verification of social security number (pay stubs, drivers license, etc.).

• Lead-Based Paint Notification if the house was built before 1978.

If You Are Applying for a VA Loan    (top)

• VA Certificate of Eligibility

• Form DD-214 or, for in-service veterans, Statement of Service.

• Most recent Leave and Earning Statement for in-service veterans.

• Name and address of child care provider, if applicable.

If You Are Self-Employed or Have Commission Income    (top)

• Copies of your last two years complete personal and corporate (if applicable) signed income tax returns.

• Year-to-date Profit and Loss Statement.

If You Have Been Divorced    (top)

• Complete signed copy of all divorce decrees including any stipulations or modifications.

• Proof of receipt of child support payment for the last 12 months if using this income to qualify.

If You Have Declared Bankruptcy in the Last 7 Years    (top)

• Copy of Petition Decree, Schedule of Creditors and copy of Discharge.

• A letter of explanation of why you filed for bankruptcy.

Miscellaneous Items   (top)

• A copy of your diploma if you have graduated from school during the last 2 years.

• A letter of explanation if gap in employment during the past 2 years (gaps of 1 month or more)

• A copy of the signed HUD-1 Settlement Statement indicating proceeds if present home has been sold.

• A copy of current lease and copies of last 2 years complete/signed federal income tax returns for rental property.

• The donor's name, relationship and source if funds are needed if receiving gift for part of the down-payment.

• A copy of the company's relocation policy for corporate sponsored relocations.

• Letter of explanation for any credit problems.

top