• If you receive Social Security, a pension, disability or VA benefits you'll need:
• A copy of your awards letter (or tax returns for the past two years)
• A copy of your most recent check

• If you pay child support you'll need:
• A copy of the divorce or separation agreement
• Evidence of payment for the last 6-12 months (cancelled checks of pay history from the courts)

• A copy of the lease

Debt Disclosure - Credit Cards, Loans and/or Current Mortgages

• Name and address of each creditor
• Account number, monthly payment and outstanding balance for each
• Proof of recent payment or current statement for each
• Documentation of alimony or child support you are required to pay
• Written explanation of any past credit problems

• A complete, signed copy of sales contract · Mailing address and property description (if it's not in the contract)
• A copy of your cancelled earnest money check Loan Application for Refinance
• A copy of the deed
• A copy of your hazard insurance policy
• A copy of the property survey
• Proof that your home has passed a termite inspection

• If the downpayment is a gift you'll need a signed gift letter, the giver's bank statement showing sufficient funds, a copy of the check and a deposit slip
• If you have any recent large deposits or new accounts you'll need to show documentation

• If your loan is for new construction the lender will need to see plans and specifications
• If there's a bankruptcy in your financial history you'll need complete documentation

• Appraisal fee (approximately $350)
• Credit report fee (approximately $50)
• In some areas, a flood determination fee (approximately $20)