Required Documents

Our goal is to facilitate a smooth transaction for each and every one of our customers. Having correct and complete information is a key to a stress free home finance experience. This list will help you prepare so that we can serve you more efficiently.

When Purchasing:

Present Property (For current homeowners only)

1. Copy of ratified contract and all addenda for present home if you’re selling.
2. Copy of lease for present home if you are going to rent out your property.
3. Copy of listing if home is not sold yet.
4. Information and Copy of the Title on home if it is a manufactured home you are trading in.
5. Copy of Title to land if you are placing the home on land that you own.

Employment & Income

1. Address for present and past employers going back two complete years.
2. W-2s for the past two years.
3. Most recent pay stub.
4. If self-employed, two years tax returns (corporate & individual) and year-to-date P&L.
5. Diploma or transcript if full-time student during past two years.
6. Leases for current rental properties.
7. Divorce decree and evidence of 12 months payment for child support/alimony (if using this income to qualify).

Assets & Liabilities

1. Statements covering transactions for the past two months for all bank/stock accounts (one quarterly statement for stocks/bonds/IRAs).
2. Name and address of landlord if renting present home.
3. Name and address for any private mortgages or loans outstanding.
4. Account information (balances/monthly payments) for all credit cards, auto loans, mortgages and other loans.
5. Copy of ratified divorce decree or separation statement for alimony or child support obligation.

Home You are Purchasing

1. Ratified contract and all addenda.
2. Copy of Purchase Agreement (e.g. Form 500) and land contract (if appropriate) for the manufactured home you are purchasing. (Only if applicable)
3. Copy of listing.
4. Front & back of cleared check used for deposit on home you are purchasing.

When Refinancing:

Present Property (For current homeowners only)

1. Copy of deed or title showing ownership of home.
2. Information on property taxes and insurance costs.
3. Copy of latest mortgage statement for the home (if applicable).
4. Copy of Title to land you are placing home upon if you have an outstanding mortgage loan on the land and will be including the balance within the loan you are seeking.

Employment & Income

1. Address for present and past employers going back two complete years.
2. W-2s for the past two years.
3. Most recent pay stub.
4. If self-employed, two years tax returns (corporate & individual) and year-to-date P&L.
5. Diploma or transcript if full-time student during past two years.
6. Leases for current rental properties.
7. Divorce decree and evidence of 12 months payment for child support/alimony (if using this income to qualify). 

Assets & Liabilities

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