If your income comes from a salary:

• Original W-2’s from the past two years
• Original paycheck stubs covering the past 60 days

If you are self employed:

• Tax forms for the past two years
• Your current account balance
• Declarations of Gains and Losses from the beginning of the year

If you have income from other sources:

• Pensions, etc – Authorization letter
• Real Estate Properties – Tax forms for the past two years
  • Rental contract
• Other – Any profit that you are receiving other sources of income

Forms usually required by lender:

• Verification of Rent – VOR?
  • It is a verification with your landlord of how much you pay for rent and how long you had been a tenant and if you paid on time every month.
• Verification of Deposit
  • VOD?
   

It is to verify that you have the funds for down payment and closing costs.Seasoning of funds?
Many banks require you to have a reserves in your bank order to approve your loan.

Bank Statements Usually Required by lenders:

• Past three months statements
• Bankruptcy papers if filed in the last 7 years

If you have co-borrowers who would like to be approved together with you for the loan:

• The name(s) of the co-borrower(s)

If you do not have a credit history, do not give up. Our home loan consultants will do everything possible to help you get a home loan bring:

• Gas and electricity payment receipts
• Telephone payment receipts
• Rent payments receipts
• Any evidence of regular and timely monthly payments you have made, including auto or life insurance payment receipts, furniture or jewelry payment receipts, catalog purchase payments, or encyclopedia payments.