The most recent statement or payment booklets for present creditors,
which should include name of creditor, addresses, account number and
balance. Debt documents are as follows:
- Car loans.
- Student Loans.
- Credit Card
- Current mortgage
or home equity loan account(s) with 12 months canceled checks and
- Name and address
of present landlord along with last 12 months' canceled rent checks.
- Divorce decree
or separation agreement to document alimony and / or child support.
- A copy of any
bankruptcy proceedings. An explanation letter should also accompany
- Explanation letter
for any judgments with a copy of release.
- Explanation letters
for other delinquent credits accounts on your credit report (late
payments, liens and foreclosure)
Fully executed copy
of purchase agreement. If your applying for a new construction loan,
you may need to provide copies of plans and specifications from the
builder / contractor(s). Information needed for any and all property
owned is: lender name, account numbers, purchase price, principal balance,
monthly payments, copies of rental agreement if leasing, type of property
and signed tax returns for the past two reporting years. Property documentation:
- Legal description
of the property being purchased. (May be obtained by sales agent).
- Copy of listing
sheet. (May be obtained by sales agent).
- If you are in
the process of selling a home, you will need to provide the fully
executed contract of sale along with copy of the HUD-1 closing statement.
- If you are a
resident alien, evidence of permanent residency issued by INS (a.k.a.
- Names, addresses
and phone numbers of all parties involved in this transaction, including
attorneys and/or closing agent and real estate agents*
- Copy of recorded
deed (refinance only)
Depending upon the product and program for which you are applying,
additional information may be required.
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