REFINANCES


Full Documentation Loans for Wage Earners
1)Most recent Pay Stub.
2)Last 2 years W2's.
3)Most recent month bank statement. *(only for accounts listed on application.)
4)Copy of Homeowners Insurance Policy.  *(Does not apply if Condo).
5)Copy of Photo ID.  (Divers license, Passport etc.)

Full Documentation Loans for Self-Employed & 1099
1)Copies of the last 2 years full tax returns.  (If have not filed yet for 2007, we will accept 2006 & 2005 returns).
2)Most recent month bank statements. *(only for accounts listed on application.)
3)Copy of Homeowners Insurance Policy.  *(Does not apply if Condo).
4)Copy of Photo ID.  (Divers license, Passport etc.)

Stated Income Loans
1)Copy of Homeowners Insurance Policy. *(Does not apply if Condo).
2)Copy of Photo ID.  (Divers license, Passport etc.)

PURCHASES


Full Documentation Loans for Wage Earners
1)Most recent Pay Stub.
2)Last 2 years W2's.
3)Copy of fully signed Sales Contract.
4)Most recent 2 months bank statements. *(for all accounts listed on application.)
5)Copy of Ernest Deposit check *(If applies).
6)Copy of Homeowners Insurance Policy *(Not needed until five days prior to closing.)*(Does not apply if Condo).
7)Copy of Photo ID.  (Divers license, Passport etc.)
8)If receiving a Gift from family for Down Payment or Closing cost assistance, we need a signed gift letter from all parties.  Please contact us and we will provide you with letter.

Full Documentation Loans for Self-Employed & 1099
1)Copies of the last 2 years full tax returns.  *(If have not filed yet for 2007, we will accept 2006 & 2005 returns).
2)Copy of fully signed Sales Contract.
3)Most recent 2 months bank statements. *(for all accounts listed on application.)
4)Copy of Ernest Deposit check *(If applies).
5)Copy of Homeowners Insurance Policy *(Not needed until five days prior to closing.)*(Does not apply if Condo).
6)Copy of Photo ID.  (Divers license, Passport etc.)
7)If receiving a Gift from family for Down Payment or Closing cost assistance, we need a signed gift letter from all parties.  Please contact us and we will provide you with letter.

Stated Income Loans
1)Copy of fully signed Sales Contract.
2)Copy of Ernest Deposit check *(If applies).
3)Copy of Homeowners Insurance Policy *(Not needed until five days prior to closing.)*(Does not apply if Condo).
4)Copy of Photo ID.  (Divers license, Passport etc.)