What information will be needed for the application (and how it's kept private)

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.

For all loans

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

Copy of driver's license or state ID card

Employment History
For the last two years, employment dates, addresses, salary.
Current pay stubs or W-2 forms.

Check and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers and balances;
Last 2 months' statements (all pages, with documentation to support all deposits)

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

Retirement Plan
Approximate vested interest value
Copy of latest statement

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

Other income information you may need

If you have any self-employment income, business expenses, earnings paid on IRS form 1099:

Two years Federal tax returns, 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.

Two years tax returns also needed if you have income from:

Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends

If employed in family business:
Personal federal income tax returns and all schedules for the past two years (If own less than 25% of business, letter from CPA to state this)

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.

If you own real estate

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 retaining any property:

Proof of taxes and insurance for most recent year along with most current mortgage statement

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)

If you rent

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

If you're buying a home

Purchase sales contract or offer to purchase and all addenda (Seller's Disclosure, Lead Based Paint Disclosure, FHA Addendum if applicable)
Furnish contract with original signatures of buyer and seller

If a source of your down payment is a gift:
Name, address and relationship of donor.
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 FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility