What's Needed to Apply

Uniform Residential Loan Application

Credit Report Authorization and Release

Borrower Certification and Authorization

 

Along with the forms above the following documentation may or may not be required for your application:

Personal and Employment

  • W-2 forms for past two years
  • Most recent pay stub, including year-to-date earnings
  • Self employed, most recent two years tax returns for personal and business
  • If using alimony/child support income, copy of divorce decree, financial stipulation and proof of income for three consecutive months
  • Social security and pension award letters
  • If receiving rental income, rental or lease agreements
  • If non-resident, copy of certified resident alien card (green card)


Credit and Liability

  • Name, address, and account numbers of creditors along with current balance and monthly payments of all outstanding loans that are not listed on your credit report (if applicable)
  • Written credit explanation of any current or previous credit problems (if applicable)
  • Information on any loans you may have co-signed, or other obligations (if applicable)
  • Divorce decree and stipulations to verify debt obligations (if applicable)
  • Bankruptcy discharge and schedule of debts (if applicable)


Asset and Property

  • Two months most recent statements on all open checking and savings accounts, ALL pages
  • Verification of any liquid asset, such as stocks, bonds, mutual funds, IRA’s, 401K plans, etc. with most recent statement, ALL pages
  • Information on any other real estate being sold, such as a copy of the settlement statement
  • Information of property to be retained (i.e. rental property) such as taxes, insurance, and/or condo fees
  • Gift Letter (if applicable)


Other Information

  • For property being purchased, purchase and sale agreement
  • Name and phone number of homeowners insurance agent or property management company for condos
  • Construction loans have a few additional forms to be completed, please print your Construction Loan Package.
If you have any questions or need further information, please call 360-647-6000 or 888-663-7650 to speak to a loan representative or Request a Loan Consultation
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