The following items are critical to your loan being completed in a timely manner. Please provide the following items if they apply to you:

• W-2 FORM'S

• PAY STUB-MOST RECENT

• MOST RECENT STATEMENT (ALL PAGES) FOR BANKS

• MUTUAL FUNDS AND IRA'S STATEMENTS

• ESTIMATED NET PROCEEDS FROM THE HOUSE THAT YOU ARE SELLING

• NAME AND PHONE NUMBER OF INSURANCE AGENT

• FEDERAL TAX RETURNS FOR THE PREVIOUS 2 YEARS
  (IF SELF EMPLOYED OR RECEIVE COMMISSION INCOME)

• COMPLETE COPY OF BANKRUPTCY PAPERS INCLUDING DISCHARGE

• DIVORCE DECREE AND SEPARATION AGREEMENT

• LEASE AGREEMENTS ON RENTAL PROPERTIES

• PROOF OF CHILD SUPPORT

• LETTER OF EXPLANATION FOR GAP IN EMPLOYMENT

• VETERAN- CERTIFICATE OF ELIGIBILITY AND DD214