1. If you are salaried: provide two years W-2 and one month of pay stubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.

2. If you wish to speed up the approval process, please also provide two (2) months bank statements for each bank, stock and mutual fund account.

3. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.

4. Provide a copy of divorce decree if applicable.

5. If you own rental property, please provide rental agreements and two years tax returns

6. If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

Just give me a call; you may not need anything but homeowner's insurance information!

Once your loan application has been completed we will start the loan approval process immediately. This involves:

1. Checking your Credit history

2. Run your application through an automated underwriting system

3. Verifying property value by ordering an appraisal

Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval:

· Fill out the loan application completely.

· Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date.

· Do not make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application.

· Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us.

· Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf.

After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a closing attorney or notary public. Be prepared to:

· Bring a cashiers check for your down payment and closing costs if required. Personal checks are normally not accepted.

· Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised.

Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.