Property Information (This does not apply for a credit only
- Copy of Purchase Agreement or Sales Contract if available
- Address of residence the last two years for both the
borrower & Co-borrower (include landlord name, address, and
phone number if applicable)
- Copy of Driver License (FHA, VA, KHC, RHS Loan Types)
- Copy of Social Security Card (FHA, VA, KHC, RHS Loan Types)
- Copy of Eligibility Certificate (VA Loan Types Only)
- Copy of DD-214 Discharge Papers (VA Loan Types Only)
- Address for any/all employers the last two years for both
the Borrower & Co-borrower.
- Explanation for any job gap during the last two years
- Present salary: Year-to-date pay stub and last two years
W-2s and/or 1099s. (FHA, VA, KHC, RHS, Loan Types)
- Variable Income: commissions, bonuses, overtime, and/or
interest and dividend used for qualifying. Provide last two
years tax returns. (Last 3 years Tax Returns for KHC Loan Type)
- If self-employed: last two years individual and corporate
tax returns and a year-to-date profit and loss statement
- Rental Income: provide copy of current lease
- Alimony/Child Support (only if used for qualification): Copy
of divorce decree and evidence of 12 months receipt of payments.
Evidence can be copy of borrower's bank statements reflecting
the consistent amount deposited, or copies of the cancelled
- Bank Accounts: Checking & Savings, account numbers, address,
Sale of Present Home
- Credit cards: Account numbers, balances, and payment on all
revolving accounts with a balance
- Installment Loans: (Auto, personal, mortgage, student) Name
of institution, address, account number, balance, payment, and
number of months remaining.
- Alimony/Child Support: Copy of ratified Divorce Decree -
and/or Separation Agreement.