In order to move quickly towards your estimated closing date, please return the requested documents within 3 days upon receipt.
PLEASE NOTE: Once we review the documents you provide, we may request additional items. This checklist is a general checklist and does not cover every specific situation or requirement.

Personal Identification:
  • Copy of your Driver’s License
Income Information:
  • Copies of your W-2 and 1099 forms for the past 2 years
  • Copies of your 4 most recent pay stubs
  • Copies of your most recent awards letters for Social Security and/or Pension income, if applicable
If you are self-employed and/or you own multiple properties that generate rental income:
  • Copies of your signed personal Federal tax returns for the past 2 years (all schedules and all pages) Please sign and date on the tax-payer signature lines of the 1040 using a current date
  • Copies of your signed business Federal tax returns for the past 2 years (all K-1’s
    and all pages), if applicable Please sign and date page 1 of each year using a current date
Asset (bank account) information:
  • Copies of your statements for the past 2 months, or your last quarterly statement, for all checking, savings, IRA, 401(k), stock, and mutual fund accounts (all pages, even if blank)
For all Real Estate that you own, including your primary residence, for each
property we will need:
  • Copy of a current mortgage statement
  • Copy of your most recent property tax bill
  • Copy of your homeowner’s insurance policy
  • Copy of your homeowner’s association (HOA) dues statement or payment
    coupon, if applicable
  • Copy of your deposit check(s)
  • Once your deposit check clears your account, we will need the statement showing the check clearing your account (all pages)
  • Signed Sales Contract

The 10 Do's And Don'ts

  1. Don't apply for new credit of any kind
  2. Do keep all existing credit card accounts open
  3. Don't max out or overcharge existing credit cards
  4. Do keep your employment within the same company or field of work
  5. Don't consolidate debt to one or two credit cards
  6. Do pay off collections, judgements, or tax liens reported within the past year
  7. Do be prepared to pay off collections if required by underwriting or the loan program
  8. Do provide any documentation for satisfied judgements or paid tax liens
  9. Do stay current on payments for all existing monthly obligations
  10. Do call me before making any financial
    decisions or changes to your normal financial routine. I'm here to help you through the

Paul Bowers

Paul Bowers - (910) 431-8295

NMLS: 1897321 |