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
• If you own rental property, please provide rental agreements and two years tax returns.
• If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
• Provide a copy of the divorce decree if applicable.
• If you are not a US citizen, provide us with a copy of your green card (front and back) or if you are not a permanent resident provide us with your H-1 or L-1 Visa.

For Self Employeed 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)