BORROWER'S CHECKLIST AND TIPS

Copy of the fully executed sales contract (a copy of plans and specifications for a construction loan)

Copy of current driver’s license and social security card

• If a non-resident, copy of certificate of resident alien status (green card)

Most recent income documentation for all parties – covering 30 days

Bank statements for two most recent months (all pages)

Completed tax returns from the last two years (all pages and schedules - signed)

W2 from last two years

Homeowners insurance agent’s name and contact information

Contact information for employment verification

Name and address of current landlord (if applicable)

Most recent mortgage statement(s) (if applicable)

Closing statements from sale of current property owned (if applicable)

Proof of payment on all retained properties such as taxes, insurance, private mortgage insurance, and homeowner’s association dues (if applicable)

Applying for any new debt such as credit cards, automobiles, etc.

Co-signing on another loan

Allowing multiple lenders to run hard credit inquiries as this has the potential to damage your credit score

Moving money around and between accounts

Changing jobs

Waiting until the last minute to select your homeowners insurance agent

Provide requested documentation as quickly as possible

Return applicable signed disclosures as quickly as possible

Be prepared to provide additional documentation, if requested during the process

Rest assured, we are dedicated to keeping the process as hassle-free as possible