Online Mortgage Application

To get started with an online application, you’ll need:

• Photo ID
• Past 2 years of tax returns with all schedules and W-2 statements (not always required)
• Pay stubs covering the last 30 days

Items to provide for the next steps:

• Most recent transaction summary of 401(k), IRA, or Mutual Fund Accounts
• Photocopies of any stocks or certificates of deposit
• Copy of the purchase and sale agreement
• If you are currently renting: either 12 months of 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

If you are self-employed, employed in sales, paid by commission, or a rental real estate owner, you’ll also need:

• 2 years of signed personal tax returns, including all schedules
• If self-employed through a corporation, last two years of corporate returns as well as a year-to-date profit and loss statement and balance sheet