Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

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

Employment History
- Last 2 Yrs W-2s and 1040s
  - Previous 30 days pay stubs
  
Check and Savings Accounts and Certificates of Deposit
   - Account numbers and balances
   - Last 3 months' statements

Stocks, Bonds, and Investment Accounts
   - Last 3 months' statements or copies of stock certificates

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 income from:
   - Commission
   - Overtime
   - Bonus
   - Partnership
   - Rental Property
   - Trust
   - Notes Receivable
   - Interest/Dividends
   - You'll need two years' personal federal tax returns

If employed in family business
   - Personal federal income tax returns and all schedules for the past two years

If divorced or separated
   - 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

Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of 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.

For FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications