Purchase

______ Most recent pay stubs covering the last 30 days - each borrower

______ W-2 Forms (last 2 years) - each borrower
______ Most recent Bank Statement(s) (1 month) all pages (checking, savings, 401k, etc.)
______ Two forms of identification: - each borrower
              copy of your Picture I.D. (Drivers license or other) and
              copy of your Social Security Card (or legal document with Social Security number) 

______ Note: You will need to obtain a Homeowners Insurance Policy (and Flood, if applicable), prior to closing. Please provide us with the agents name and contact information once you have determined what company(s) you choose for your insurance coverage

If self-employed:

______ Copy of Business license(s)

______ Most recent tax returns with all schedules for last 2 years

______ Year to Date Profit & Loss statement

If divorced and paying or receiving alimony and/or child support

______ Copy of divorce decree (court ordered)-all pages

Other documentation, if applicable;

______ Bankruptcy discharge papers

______ Documentation for any collections, judgments or other credit situations

If you are Refinancing, include the following additional items:

______ Copy of Title Policy from original purchase

______ Copy of Survey

______ Copy of Mortgage Coupon or Statement for all Mortgage Loans (1^st & 2^nd, if applicable)

______ Statement(s)-for any accounts that are being paid off with the refinance

______ Homeowners Insurance Policy summary page indicating amount of insurance

             Note: also include Flood insurance, if applicable

If applicable, include any of the following;

Copy of S.S. awards letter, Copy/ proof of pension income, Gift letter, Letter of explanation(s)

If you are missing any of the above items, please forward what you have and note the items that are missing. These items can be faxed to our office at: (727) 823-0687

If you have any questions, please call us at: (727) 822-2222

Thank you for the opportunity to be of service to you!