GENERAL:
• Picture ID with social security number of borrower
   and co-borrowers.
• Payment to cover the application fee.
• Name and complete address of all landlords
   (if applicable) for the past two years.

INCOME:
• Employment history for the past two years,
   including names, addresses, phone numbers,
   and length of time with each company.
• Copies of your most recent pay stubs, as well as
   W-2 forms for the past two years.
• Verification of other income (social security, child
   support, retirement, etc.).
• If self-employed, you will need copies of signed tax returns for the past two years,
   including all schedules and a signed profit and loss statement for the current year.
• If retired, you will need copies of signed tax returns for the past two years.
• If you have rental property income, bring a copy of all lease agreements.

ASSETS:
• Copies of all bank and/or credit union statements for the past three months.
• Copies of all stock/bond certificates and/or the past three statements from all
   investment and retirement accounts.
• Copies of title documents for all automobiles, boats, motorcycles, etc.
• Face amount, monthly premiums, and cash values of all life insurance policies.
   (Cash value may be used for closing costs or down payments.  You'll need
   documentation from the back indicating the cash value).

CREDITORS:
• Credit cards (account numbers, current balances, and monthly payments).
• Installment loans (car, student, etc.).  You'll need the same details as for credit cards.
• Mortgage loans (property address, lender with address, account numbers, monthly
   payment and balance owed on all properties presently owned or sold withing the last
   two years).  Also, bring proof of sale on all properties sold.
• Child care expense/support (name, address, phone number).

OTHER:
• Bankrupcy - bring discharge and schedule of creditors.
• Adverse Credit - bring letters of explanation.
• Divorce - bring Divorce Decrees, property settlements, quit claim deeds, modifications,
   etc. for all divorces by yourself or your spouse.
• VA Only - bring Form DD214 and Certificate of Eligibility.
• Retirees - bring retirement and/or Social Security Award Letter.

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