To make your loan as smooth as possible please provide copies of:

·         Driver's License and Social Security Card

·         Last 2 years worth of W2's and tax returns

·         Last two month's pay stubs

·         Last two month's unaltered bank statements all pages both sides.

·         Latest statement of Stocks, Bonds, Annuities, IRA, 401(k), Money Market or any liquid assets.

·         Copies of K1s for last two years (if applicable)

·         Complete list of real estate owned including values, mortgages, payments including taxes and insurance.

·         Employer contact information.

·         Realtor contact information.

Do Not Apply for any additional credit until after your loan closes!

Red Flags that can disqualify a borrower

·         ·       Declining income. Unreported Income doesn’t count.

·         ·       More than 10 mortgages - Against Fannie Mae guidelines

·         ·       Credit score below 600

·         ·       Lack of seasoned cash

·         ·       New job in different field

·         ·       Recent foreclosure or Bankruptcy