Anything you submit to us completely 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.

For all loans:

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

Employment History

   For the last two years, employment dates, addresses, salary.

   Current pay stubs or W-2 forms.

Checking and Savings Accounts and Certificates of Deposit

Location of bank accounts, account numbers and balances;

   Address of bank if out of town

Last 3 months' statements of Stocks, Bonds, and Investment Accounts

   Broker's name and address, description of stocks, bonds, etc.

   Last 3 months' statements or copies of stock certificates

Life Insurance Policies

Insurance company, policy number, face amount, cash value, if any

Retirement Plan

   Approximate vested interest value

   Copy of latest statement

Automobiles

   Make and model of automobiles, their resale value

Other Assets

   Market value of personal and household property

Liabilities and Other Non-Mortgage Debt

   Creditors names, addresses, account numbers

   Monthly payments and balances

Other income information you may need:

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.

If you own real estate:

  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

If you rent:

  Name, address and phone number of landlords for the past 24 months

If you're buying a home:

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