As a result of recent changes in government documentation, please use this streamlined loan process for faster service and less duplication. (Include at least 2 years of work and housing history.)

1- To Apply Online: (quicker approval)

• Borrower Application (1003 application) - AND

• Credit Report - tri-merge (3 scores)

2- To Apply By Fax: (slower approval) Print all hard copies and fax back.

• Borrower Application (1003 application) - AND

• Borrower Signature Authorization - AND

• Credit Payment Authorization - tri-merge (3 scores)

3- For A Purchase:

• Executed Contract - OR

• Request For Pre-Approval

4- For A Refinance:

• Last HUD1 Settlement Statement - OR

• Proof of Ownership

5- If W-2 Employee:

• Last 2 pay-stubs - AND

• Last 2 years W-2's - AND

• 4506T

6- If Self Employed OR 1099 OR Other Income Types:

• Last 2 years IRS returns with all schedules - AND

• 4506T

7- If you own your home in last 12 months:

• Copy of last mortgage statement - AND

• Proof of real estate taxes - AND

• Proof of homeowner's insurance

8- If you rent in last 12 months:

• Copies of 12 rent checks - OR

• Copies of 12 money orders

9- To Verify Funds (when required)

• Last 2 Bank Statements

More information will be requested as needed. Fax or email your documents. If you need additional assistance, please contact us.