The following information is usually required during the loan process:

1. Each borrower’s most recent pay-stubs for the last 30 days.
2. Each borrower’s last two years W-2′s.
3. Most recent two months statements for each bank, stock, mutual fund and IRA/401K account.
4. A history of your last two years residences (with landlord address and phone number, if applicable).
5. A history of your last two years employment (with employer address and phone number).
6. A copy of each borrower’s unexpired picture ID and Social Security card.
7. A signed and dated sales contract with all amendments and attachments.
8. A copy of the earnest money receipt or check.

If you are self employed, also include:

1. Last two years signed Federal Income Tax Returns (complete with all schedules).
2. A year-to-date Profit and Loss Statement.
3. A current Balance Sheet.

If you are applying for a VA loan, also include:

1. A copy of the veteran’s DD-214.
2. The veteran’s original Certificate of Eligibility (if available).

If you are applying for a FHA loan, also include:

1. A copy of each borrower’s picture ID and Social Security card.

If you are applying for a NMFA First-Time Home Buyer Loan, also include:

1. Last three (3) years signed Federal Income Tax Returns (complete with all schedules and W2′s).
2. A history of your last three (3) years residences (with landlord address and phone number).
3. A history of your last three (3) years employment (with employee address and phone number).

Please include other documents that may apply:

1. If you own any rental property, provide the rental agreement for each property and your previous two years complete Federal Income Tax Returns.
2. A copy of any divorce decree and/or child support order.