Salary Applicants:
Must provide a current pay stub with year-to-date earnings.
Military:
Must provide a current Leave and Earnings Statement (LES).
Self Employed / 1099 Contractor:
Must provide most recent 2 years completed Federal tax returns including all schedules and or 3 months personal bank statements.
Non-Salary Income:
Must provide most recent 2 years completed Federal tax returns including all schedules.
Child Support:
Must provide court order signed by judge and proof of receipt for most recent 3 months.
Government / Retirement Benefits:
Must provide current benefit letter that verifies stated income for the term of the loan.
Bankruptcies:
Chapter 7: Must be discharged.
Chapter 13: Must be discharged. If bankruptcy is still open, the current plan schedule and authorization letter from the Trustee.
Residency:
One of the following: current utility bill, phone bill, bank statement or lease agreement for each applicant with physical address reflected.
References:
Name, address and phone number of 3 personal references for each borrower.
