Anything you submit over this website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you.  In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

Personal Information, includes basic information about yourself and your residence over the past 2 years.  It will include your address, phone, date of birth, dependents, etc.

Social Security Number, for all borrower(s) to allow for identification and credit report

Employment History, For the last two years, employment dates, addresses, salary.
Will need most recent stubs and last year's W-2 forms to verify.

Liquid Asset Information, Check and Savings Accounts, Certificates of Deposit, IRA, 401k, Stocks, Bonds, and other investment accounts
Bank accounts - will need name of bank, address, account number and balance - verify with most recent bank statements (all pages) 
All other accounts - will need name of account, address and most recent statement

Other Assets,  Life Insurance Policies with cash value can be used and will need Insurance company, policy number, face amount and cash value documentation.  Retirement Plans may also be utilized with documentation to show income.

Automobiles, trailers, boats and personal property values are estimated by the borrower based on resale value

Liabilities and Other Non-Mortgage Debt, will include creditor names, addresses, account numbers, balances and minimum monthly payments.  We will also ask for any other liabilities you may have that may not show up on your credit report such as child support or loans you borrow from your 401k.  Most of this information will be available from your credit report.

If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll typically need two years' personal federal tax returns or, in some cases, proof that your overtime has occurred on a regular basis for the past 2 years and will continue in order to be used as income.

If employed in family business
Personal federal income tax returns and all schedules for the past two years

If divorced or separated, complete executed divorce decree and settlement agreement.
Payment history of alimony/child support over the past 12 months, if it is a financial obligation. If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement

Name, address and phone number of landlords for the past 24 months

Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications