Anything you submit over our website is fully secure. And we will not share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

Social Security Number and photo ID, i.e., driver's license, for borrower and co-borrower.

Employment History: For the last two years with employment dates, addresses, and salary.
Also, current pay stubs and last year's W-2 forms.

Asset Account Information: Such as checking, savings, CDs and brokerage accounts (mostly for purchase applications).  The normal requirement is for two months of the most recent statements and must include all pages.

Life Insurance: Documentation if the policy has cash value and that amount is going to be used for the transaction or to demonstrate post closing reserves.

Retirement Plan: Full current statement if the account is going to be used for the transaction or for post closing reserves.  If the amount is going to be used for reserves, underwriters will use 70% of the documented current balance.

Automobiles:
Make and model of automobiles, their resale value

Other Assets:
Market value of personal and household property

Liabilities and Other Non-Mortgage Debt:
Creditors names, addresses, account numbers, along with monthly payments and balances.  This information can normally be obtained from the credit report used for the file. 

If you're self-employed:
Two years tax returns, both company and personal if separate, as well as a year-to-date profit and loss statement.

If you have come from:

• Commission
• Bonus
• Overtime
• Trusts
• Interest & Dividends
• Partnerships

You'll need two years' personal federal tax returns

• Complete executed divorce decree and settlement agreement.
• Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
• If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances.  Also, property tax and insurance bills for those properties.

If you've sold your home but not closed:
A copy of the sales contract.

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement.

Name, address and phone number of landlords for the past 12 months

Purchase and Sales contract, or offer to purchase and all addenda.  Furnish contract fully executed by buyer and seller.   Also provide copy of any downpayments applied.

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications.