For a NO CHARGE mortgage loan pre-qualification or refinance application, the applicants must furnish the following items at the time of the application appointment:

1. Driver’s License or State Photo ID Card and Social Security Card

2. Alien Registration Card (if not a U.S. citizen)

3. Last 2 years complete signed personal Income Tax Returns with all schedules and W2’s. If Tax Returns are not available, we will need a printout of your tax information from the IRS.

4. If self-employed, we will need a current year-to-date profit/loss and balance sheet.

5. Name, address and telephone number of your employer(s) for the most recent two year period. We must have a two-year record of employment or satisfactory explanation for any lapses of employment.

6. Name, address and telephone number for landlord(s) for the most recent two-year period.

7. Most recent three months statements for ALL bank accounts (savings, checking, pension, stocks/bonds, money market, IRA)

8. Gift letter (if applicable) and proof of transfer of gift funds.

9. Name, address and account numbers of credits for all credit and liability accounts