To help the loan interview go smoothly, each applicant should be prepared to provide original documentation of the following information at application:

INCOME

• Salaried Earnings—Copy of most recent paycheck stub for each applicant showing year-to- date earnings
• Hourly Earnings—Most recent years' W-2 Form for each applicant and paycheck stub showing current year-to-date earnings
• Self-Employed, Business Owner or Commission-Only Earnings—Last two years' complete Federal Income Tax Returns (including Partnership and/or corporate returns, if applicable)
• Other—All supporting documentation for any additional income to be used for qualifying (alimony, child support, or separate maintenance income can be excluded if you don't want it considered for repaying the loan)

ASSETS

• Bank Statements—Two most recent months' statements if funds will be used to close the loan
• Stock Statements—Two most recent months' statements if funds will be used to close the loan
• Lease Agreements—Or two years' tax returns if you own other real estate (Tax returns are required if you own 3 or more properties)

DEBTS

• Provide account numbers, current balance and monthly payment amounts on all revolving or installment debts and statements of assets to be paid off

OTHER

• Copy of Real Estate Sales Agreement (if a purchase)
• Copy of Divorce Decree (if applicable)—Only required if alimony, child support or separate maintenance will be used to qualify for the loan or to verify any debt responsibility you may have
• Application Deposit
• Evidence of Homeowners Insurance (if refinance)—Include agent's name and phone number, premium, due date and coverage amount