The following items may be requested if you decide to proceed with the loan and after the Loan Estimate has been issued to you:

• Pay stubs (covering most recent 30 days)
• Award Letter from fixed income (Social Security, Pension) (if applicable)
• W-2 and/or 1099s (Most current two years)
• Last Two Years of Federal Tax returns with all schedules and all pages
• Last two months of bank statements or retirement account statements
  (All pages needed; if internet statement, name and account number must be included on statement.)
• Gift donor information - we need full name, address and phone number. (if applicable)
• Check for appraisal and/or credit report
• Verification of Driver's License/Government-issued Identification
• Copy of signed Purchase Contract (purchase transaction)
• Copy of Deed (refinance transaction)
• Mortgage, tax and insurance information for all other properties owned (if retaining)
• Current leases for owned properties not appearing on tax returns, signed by all parties. (if applicable)
• VA Certificate of Eligibility (if applicable)
• Copy of Separation Agreement/Divorce Decree (if applicable) *
• Bankruptcy papers (if applicable)
• Other materials may be required based on personal circumstances - please check with your Mortgage Consultant

*Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered for repaying the loan.

The mortgage application checklist may not be all inclusive. Additional information may be required. All lending products are subject to credit and property approval. Interest rate and program terms are subject to change without notice. Certain restrictions may apply on all programs. This is not a commitment to lend.