What documents will I need to provide?

• Borrower's Authorization Form 
• IRS Form 4506-T: "Request for Transcript of Tax Return" 
• Last two pay stubs for verification of income
• Copies of the last two years W2's
• Federal tax returns from the last two years if self employed, receive commission/bonus income or if you have rental properties
• Schedule of Real Estate Owned— with current rents, values and mortgages (if applicable)
• Complete bank statements for the last two months
• Current IRA or 401(k) Statements
• Copy of your last mortgage statement(s)
• Copy of Note or Loan Agreement on current Home Equity Line of Credit or Second Mortgage if you are subordinating the loan
• Copy of Hazard Insurance Declaration Page
• Accepted Offer to Purchase (if purchase loan)
• Realtor contact information (if purchase loan)
• Name and phone number of HOA company (if property is a condominium)

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