• Past two (2)years W-2 statements. 
• Pay Stubs covering the last (30) thirty days. 
• Most recent three months banks statements. 
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Photocopies of any Stocks or Certificates of Deposits. 
• Copy of the Purchase and Sale Agreement 
• If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord. 
• If divorced… a fully executed divorce decree. 
• For a refinance, a copy of the deed, and most recent tax bill. 
• A letter of explanation for any known credit problems.

For Self Employed borrowers, Employed in sales, Paid by commission, or Owns Rental Real Estate:

• Two (2)Years signed personal Tax returns- including all schedules. 
• If self-employed through a corporation, KYst two years corporate returns as well as a year-to-date profit and loss statement and balance sheet. 

* We offer many products that do not require many of these documents.  Please refer to our loan programs page for a specific details.

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