In general, the documentation you will need includes:

  • Check for application fee

Property Information (if you already have a contract on a house)

  • Purchase Agreement.
  • Copy of legal description and MLS sheet.
  • If you are selling your current home, copy of listing contract.
  • If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

  • Pay stubs for the last 30 days.
  • Names and addresses of each employer for the past two years.
  • W-2s for the past two years.
  • Statements for each bank, mutual fund, and/or investment account for the last three months.
  • Estimated value of personal property and furniture.

If you have made any large deposits to your accounts:

  • Explanation and source for deposit.

If large deposit was a gift:

  • Signed gift letter (lender can supply).
  • Copy of gift check.
  • Copy of deposit receipt.

If you own more than 25% of a business:

  • Corporate or partnership tax returns.

If self-employed:

  • Tax returns for the last three years (with schedules).
  • Year-to-Date Profit and Loss Statement prepared by an accountant.

If you own rental property:

  • Tax returns for the last two years and current rental agreements.

If you are retired:

  • Pension Award Letter.

If you receive Social Security:

  • Social Security Award Letter.

If you are counting child support as income:

  • Copy of divorce settlement.
  • Copy of twelve months of cancelled child support checks.

Debts

  • Names, addresses, account numbers, balances and monthly payments on all current loans.
  • Explanation of credit report anomalies, including late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens, and bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans

  • Copy of DD Form 214, Report of Separation.

Miscellaneous

  • Photo ID and proof of Social Security number.
  • Residence addresses for the past two years.
  • If applicable, a copy of your divorce decree.
  • If you are not a citizen, a copy of the front and back of your green card.

Related pages:


 

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The data relating to real estate for sale displayed on this Website comes in part from the Broker Reciprocity Program (BR Program) of M.L.S. of Naples, Inc., under License No.NPLSMLS-100409. Properties listed with brokerage firms other than Downing-Frye Realty, LLC. are marked with the "BR House" logo. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the M.L.S. of Naples, Inc. BR Program, or contained in the database compilation of the M.L.S. of Naples, Inc. Some properties that appear for sale on this limited electronic display may no longer be available. For the most current information, contact Downing-Frye Realty, LLC at (239) 261-2244