Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

Social Security Number, for borrower and co-borrower if any

EMPOYMENT HISTORY:
Copies of:
The Most recent  last two years W-2's (explain any employment gaps)
The 2 most recent paycheck stubs.

ASSETS:
Checking and Savings Accounts and Certificates of Deposit.
Most Recetn 2  months' statements for all asset accounts (or most recent quarterly)

Stocks, Bonds, and Investment Accounts:
Broker's name and address, description of stocks, bonds, etc.
Last 2 months' statements (or most recent quarterly) or copies of stock certificates

Life Insurance Policies:
Insurance company, policy number, face amount, cash value, if any

Retirement Plan:
Approximate vested interest value
Copy of latest statement

Automobiles:
Make and model of automobiles, their resale value

Other Assets:
Approximate market value of personal and household property

Liabilities and Other Non-Mortgage Debt:
Creditors names, addresses, account numbers
Monthly payments and balances

If you're self-employed:
Most recent 2 years tax returns,
Year to Date profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months
into the new fiscal year, signed by CPA.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

If employed in family business:
Personal federal income tax returns and all schedules for the past two years

If divorced or separated:
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement (Closing Statement)

Name, address and phone number of landlords for the past 24 months

Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller
Names and contact information for Realtors and seller

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift letter completed by the donor - I will supply with a form gift letter.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For VA Financing:
DD214 and Certificate of Eligibility

For Construction/Perm Loan:
Signed construction with cost breakdown, builder plan and specifications