Once you begin your application, you'll need to collect and provide the following information:

• Last year's W-2 form
• Signed and dated Federal Tax Returns (1040s) from the last year, including all schedules
• Most recent pay stubs, including a year-to-date total for each borrower
• A copy of your most recent mortgage statement (if available
• A copy of the purchase contract (if applicable)

If you are self-employed, you will also need:

• Last year's signed and dated tax return, including all schedules, and proof of your income to date
• If you're part of a corporation or partnership, provide last year's tax return for corporation/partnership including form K-1, a year-to-date Profit and Loss (P&L) Statement (less than 60 days old), and a current signed Balance Sheet

You may also need to provide the following:

• Name, address, account number, monthly payment and current balance for installment loans (including student loans, auto loans, mortgage loans) and revolving charge accounts (home equity, credit cards).
• If you receive alimony or child support, provide a copy of the divorce decree and evidence of receipt of income for 12 months (e.g., canceled checks, deposit slips or bank statements).
• Proof of all financial assets (checking, savings, brokerage, and retirement account statements)
• If you pay alimony or child support, provide a copy of your divorce decree
• If you receive a Social Security pension or annuity, provide a copy of the awards letter and a copy of a recent benefit check
• If your downpayment includes a cash gift from a friend or relative, you will need a copy of the check or wire transfer showing the donor's name and account number, plus a copy of the deposit into your bank account.
• If you own other real estate, provide a lease/rental agreement if applicable, and copies of property tax and insurance bills
• If you've had a bankruptcy within the last seven years, provide a copy of your bankruptcy discharge paperwork, a copy of the petition (including schedules A & B) and an
  explanation of the circumstances
• If you currently pay rent, provide copies of rental payments for the last 12 months and the name and address of your landlord for the same time period (they may want these items for the past two years).