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 & sales contract signed by both buyers and sellers
• 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)
• Copy of current well test and county certification (FHA and VA loans only)

Personal Information

• Social Security Number
• Age
• Years of Schooling
• Marital Status
• Number and age of dependents
• Current address and telephone number
• Address for past two years (if more than one)
• 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
• Recent 30 day's worth of paystubs and 2 years of W-2 forms
• If self employed, complete personal and corporate tax returns with 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)

Assets

• Current 3 months' statements for bank and money market accounts
• Current 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
• 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)

Fees

• Credit report and appraisal fees (usually $500 or less)