For Salaried or Hourly Wages Borrowers

• Last Two Years W-2
• Two Most Recent Pay Stubs in Last 30 Days
• Last Three Months Bank Statement
• Appraisal Fee in the Form of Money Order, Certified Funds or Cash Payable to Appraiser
• Copy of Deed
• Copy of Prior Title Insurance Policy
• Copy of Current Homeowner's Insurance Policy
• Copy of Current Flood Insurance Policy when Applicable
  

  For Self Employed Borrowers

• Same as above, except Income Documents which should be as
  follows:
• Last Two Year Complete Tax Returns including Schedule A, B, C, E, 1120, 1120S when applicable.
• Year to Date Financial Statement
• Year to Date P&L (Profit & Loss)

*Note: In some cases the above documents will not be required for loan
  approval.   For example, lite doc, ez doc, stated income or no doc loan programs do not
  require w2's, paystubs, or tax returns.   Consult us for details.