1. Clear copies of last two years W2's:
A. Can be obtained from personal tax returns.
B. Can be obtained from your tax preparer.
C. Can be obtained by calling the IRS(800-829-1040).
D. Can be obtained from your previous and present employer.

2. Last 30 days consecutive pay stubs:
A. Can be obtain copies from personal files.
B. Can obtain copies from your Human Resources or Payroll Department.
C. Can obtain letter from employer stating what your last 30 days pay was and your year to-date earnings.
D. Please keep all Pay Stubs received before your closing date.

3. Three months consecutive bank statements, 401K accounts, stocks, bonds (if applicable).

4. A complete loan application with all applicable blanks filled in.

5. Letter of explanation(if applicable):
A. If you have had any late payments show up on your credit report.
B. Where is your down payment coming from?
C. If you are earning substantially more or substantially less than your last year
D. Divorce Decree
E. Bankruptcy Discharge
F. If you are taking cash out on a refinace, the purpose for the cash out.
G. If you have had any substantial deposits in your bank account, please explain the source and document.
H. Paper trail of those funds.

Closing Information
A. Must have a certified check at closing.
B. A one year paid homeowners insurance policy and receipt
C. Photo Identification.
D. If applicable, original documents requested.

Cash to Close
A. Make sure there is a "Paper Trail" of all your closing funds