In order to complete the procesisng of your application, we will need the following documents:

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Salaried Borrowers
	W-2's for the last two (2) years.
	Most current paycheck stub reflecting year-to date income. (provide stubs for one full month). ** explain all deductions on paycheck stub.
	Copies of the last two (2) years tax returns (1040's) - all schedules.
Fixed Income
	Benefit award letters for all sources of income (Pension, Social security, Permanent Disability).
	Copy of most recent check for all sources of income OR bank statement showing direct deposit.
	Two (2) years 1099's for all sources of income.
Self-Employed
	24 months consecutive personal bank statements to support income (Non-Conforming). ** needed if income taxes do not support income required to qualify.
	Year-to-date profit and loss (P&L) statement. If you earn income from multiple sources, provide all 1099 statements t support income on P&L.
	Copies of last two (2) years corporate tax returns (1120's) - all schedules. (Year-to-date P&L).
	Copy of Business License.
	Copies of the last two(2) years K-1's on all Partnerships.
	Copies of last two (2) years partnership returns (1065's) - all schedules. (Y-T-D P&L) ** only needed if you hold 33% stake in the partnership or if you are general partner.
Miscellaneous Documentation
	Copy of Mortgage Notes(s). ** provide for all mortgages on subject property.
	Most recent mortgage statement on all mortgages held.
	Copies of last 12 months cancelled checks for mortgages on subject property. (Front & Back).
	Copy of Home Owner's Insurance policy on subject property.
	Copy of the most recent three(3) months bank statements for all checking and savings accounts.
	Copies of most recent statements for CD's, IRA's, 401k, pension, stock bonds, etc..
	Rental or lease agreements on all investment properties.
	Copy of complete Divorce Decree and property settlement.
	Proof of income for spousal or child support.
	Copy of Complete Bankruptcy Papers and Discharge of Debtor (provide detailed explanation).
	Copy of Living Trust and any additional certifications. ** applicable only if subject property is vested in a Trust.
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