Anything you submit over our website is 100 percent, fully secure.  We never share your personal information without your permission, and we only share your information with the lenders and investors we use to secure you the best rates possible. The mortgage lenders and investors in our portfolio are bound by federal law to keep your information secure.

Here is a list of the information we may request to consider your loan application.

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

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

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

Retirement Plan
Copy of latest statement

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

If you're self-employed
Two years 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.

If you have significant income from:
Commission
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

If divorced or separated (and need to use this income to qualify)
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.

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 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

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

A landlord reference letter or cancelled checks may be required to verify timely rent payment

Purchase sales contract signed by both 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.