Uploading Success

• Proof you have received it for the past 3 months
• Divorce Decree/Separation Agreement stating the amount received &proof of continuation for at least 3 years
•  Alimony, child support, or separate maintenance income need not be included if it’s not considered income available to repay the loan.

• Copy of the award letter from the agency/organization 
• Most recent two months’ bank statements showing receipt in your bank account 

Fully Executed Lease

• Bank statements for the last 2 months, including savings, checking and investment accounts
• You must show assets to cover the down payment, closing costs, and reserves. Include All pages for each statement. If the statement says Page 1 of 5, include all 5 pages- this will be a requirement in underwriting.
• Provide another copy when Earnest Funds clears your account, including the statement reflecting the check has cleared. Send both sides of the canceled check or Wire Confirmation.

 Stock and securities account statements for the last three months 

 HUD settlement statement if using funds from the sale of property 

Proof of ownership, proof of sale, and proof of funds transfer 

• A gift letter, evidence of transfer, and sometimes evidence of withdrawal 
• Provide a copy of the Wire Confirmation or Both Sides of the Canceled Check. 
• NOTE THAT THE CHECK/WIRE CONFIRMATION NEEDS TO SHOW THE DOWNER’S NAME AS LISTED ON THE GIFT LETTER
• The updated Bank Statement/Transaction Summary that shows the gift has cleared your account on the account into which the gift was transferred. 

Signed completed tax returns for the past two years, including personal, partnership and corporate, if applicable; please include all schedules 

Business profit-and-loss statement year-to-date for the current year if more than three months have passed since the end of the tax year 

• Canceled rent or mortgage payment checks for the past 12 months, if not available on a credit report 
• Mortgage Statement HOA payment slip (if applicable),
• Tax Bill (if not escrowed as part of mortgage)
• Insurance Declarations Page- showing premium amount (if not escrowed as part of mortgage)

including legal property descriptions and any addendum 

Employer Contact - For Verification of Employment (Could exclude self-employed borrowers with Greater than 25% ownership).

Self Employed Borrowers Only