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_____ Tax Transcripts

 (Just get all available years for your records) – https://www.irs.gov/individuals/get-transcript (You can get them mailed or you can get them online ** Request the account transcripts and the tax transcripts 

_____ Bankruptcy Documents

 You will need the full record- not a partial records – You can order with our office. Full record just $20 ( Emailed within 48 hours if file available )

_____ Divorce Decree

 You will need full divorce decree paperwork signed by judge

_____Social Security Card

 https://www.ssa.gov/ – You will need the physical card- they will not just accept the number 

_____ ID or Drivers licence

 You will need the physical card- they will not just accept the number 

_____ Paycheck stubs

 Provide the last 3 months worth of statements prior to submitting application to lender  (Make sure to not have any NSF (Non Sufficient Funds) records on the statements 

_____Child Support Court Order

Current Child Support Order 

_____Additional Income

Please Provide Documentation of any additional income you receive outside of your self employment statements or as a W2 employee

_____ 401K, Stocks and Bonds, Retirement, Investments and Shares documents

_____ Bank Statement

 (For all accounts you have -Checking and Savings (Provide the last 3 months worth of statements prior to submitting application to lender) 

_____ List of current debt payments (Car Note, Credit Cards, etc)

Please start a monthly budget of all of your bills 

_____ Student Loans Documents

 (They will need a printout with your fixed monthly amount listed from the official website of the company servicing your loan. ** Note: As of 2017- You can no longer use a income based repayment plan if you apply for a USDA or FHA loan- You will have to be on a fixed amount that does not change year to year. The processing of this can take up to 2 months to have finalized- so start this atleast 2 months before applying for loan 

_____ If you owe money to IRS

You cannot be in default and you will be required to be on a payment plan with IRS. You can do this online- https://www.irs.gov/pa…/payment-plans-installment-agreements 

_____ Explanation Letters

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

_____ Tax Liens

 If any tax liens or other derogatory items on your credit report require further explanation, you’ll be required to provide full documentation for each derogatory instance. 

_____ W2’s from Employment

Please Provide  W2 forms for all jobs worked in the past two years 

_____ Tax Returns

 All pages of personal federal tax returns for the past two years 

_____ Gift Letter

 If you’re receiving gift funds, your lender will require all donors and receivers to sign a gift letter verifying the gift isn’t a loan. Some lenders want to see the donor’s accounts for verification of the donor’s ability to gift, and some only want to see the funds being received in your account.