4 Steps to BIG Savings

1. Copy of government-issued photo ID (front and back)

If you are not a US citizen: Copy of your green card (front and back)

1. Most recent consecutive pay stub(s) covering the last 30 days

2. Past two years W-2s and/or 1099s

3. Past two years completed and signed federal tax returns, including all schedules

If you are self-employed: Most recent two years business licenses or a letter from your CPA stating the name of the business and the number of years you have been self-employed

If you receive Social Security, Disability, Pension, Annuity, or Other Income: Award letter and bank statements evidencing receipt of funds

If you receive rental income: Lease agreement(s) and/or Schedule E of your most recent federal tax return

If you are starting or recently started a new job: Offer letter from employer showing terms of employment

If you receive alimony, child support, and/or separate maintenance: Signed copy of Divorce Decree, Child Support Agreement, and/or Separation Agreement

1. Most recent two months bank statements, all pages included

2. The most recent mortgage statement for the property being refinanced, including tax and insurance information.

3. Statements for any accounts being used for reserve assets (ex: 401K, IRA, other retirement funds)

If gift funds are being given: Signed gift letter from donor and evidence of receipt of funds

If you own other real estate: Current mortgage statements for any property owned, including tax and insurance information

If divorced or separated: Signed copy of Divorce Decree and/or Separation Agreement and Signed copy of Child Support Agreement, if applicable

If living rent-free: Signed letter from current residence property owner stating that you live at that residence rent-free