PREPARATION FOR OBTAINING A OBTAINING A LOAN


            GET THESE ITEMS READY BEFORE YOU MEET WITH YOUR LENDER



1. Last two years of W-2s


2. Last two years of filed Tax Returns


3. 1 month of pay stubs


4. 2 months of bank statements


5. Copy of your driver's license


6. Mortgage statements for any mortgages you currently have (if applicable)


Self-Employed:


1. Last two years of filed personal tax returns


2. Last two years of filed business tax returns (if you file a separate return for your   business)


3. 2 months of bank statements


4. Copy of driver's license


5. Mortgage statements for any mortgages you currently have (if applicable)


****Note for self-employed persons the lender is looking at net income. If you earned $100K and wrote off $80K of expenses, the lender sees only $20K income per year. Be sure to consult a loan officer before you file your tax return.****