As a result of recent changes in government documentation, please use this streamlined loan process for faster service and less duplication. (Include at least 2 years of work and housing history.)

1. To Apply Online: (quicker approval)
   • Borrower Application (1003 application) - AND
   • Credit Report - tri-merge (3 scores)
2. To Apply By Fax: (slower approval) Print all hard copies and fax back.
   • Borrower Application (1003 application) - AND
   • Borrower Signature Authorization - AND
   • Credit Payment Authorization - tri-merge (3 scores)
3. For A Purchase:
   • Executed Contract - OR
   • Request For Pre-Approval
4. For A Refinance:
   • Last HUD1 Settlement Statement - OR
   • Proof of Ownership
5. If W-2 Employee:
   • Last 2 pay-stubs - AND
   • Last 2 years W-2's - AND
   • 4506T
6. If Self Employed OR 1099 OR Other Income Types:
   • Last 2 years IRS returns with all schedules - AND
   • 4506T
7. If you own your home in last 12 months:
   • Copy of last mortgage statement - AND
   • Proof of real estate taxes - AND
   • Proof of homeowner's insurance
8. If you rent in last 12 months:
   • Copies of 12 rent checks - OR
   • Copies of 12 money orders
9. To Verify Funds (when required)
   • Last 2 Bank Statements

More information will be requested as needed. Fax or email your documents. If you need additional assistance, please contact us.