Needs List 

DOCUMENTATION NEEDED FOR ALL FULL DOCUMENTATION LOANS

q    Pay stubs for the most recent 30-day period

q    W-2 forms for the previous two years

q    If self employed or more than 25% of your income is bonus, overtime, or commission, we also need tax returns for past 2 yrs.

q    Documentation on any other income you wish to have considered, such as part-time income, rental income, alimony, child support, etc.

q    Employment history for the last two full years

q    Three months consecutive financial statements on all asset accounts (all pages); checking, savings, CD`s, stocks, mutual funds, 401-K, etc. (If statements are quarterly, then most recent statement.)

q    General value of other assets such as cars, personal property, insurance, etc.

q    Name, address and phone number of landlord for the last 24 months

q    Copy of the sales contract

q    Copy of canceled earnest money check

q  Copy of closing statement and sale of current residence, if applicable

q    Copy of divorce decree, if relying on alimony income to qualify or paying alimony or child support obligation

q    Gift Affidavit, if applicable

q    Bankruptcy schedules and discharge documentation, if applicable

** Internet printouts cannot be accepted

IF YOU ARE APPLYING FOR A VA LOAN

q    VA Certificate of Eligibility (Original)

q    Form DD-214

q    For in-service veterans, Statement of Service and recent Leave and Earnings statement

IF YOU ARE SELF-EMPLOYED OR HAVE COMMISSION INCOME

q    Previous two years signed tax returns with all schedules attached

q    Previous two years corporate/partnership tax returns with all schedules attached

q    Year-to-date profit and loss statement and balance sheet

IF YOU ARE RELOCATING WITH COMPANY BENEFITS

q    Copy of company's relocation policy

q    Letter from employer stating effective date of transfer and new income

q    Copy of entire relocation buyout offer (if applicable)

ADDITIONAL INFORMATION:

• 30 Days prior to closing all information must be updated
• 10 days prior to closing hazard/property insurance name and phone number
• $375 check for appraisal (if you have a signed purchase contract) made payable to CTX Mortgage Company