Following is a checklist of items we need from you as soon as possible for pre-approval.  To expedite the process you should fax them to us immediately at 800-695-6016 or scan and email them to vip-consulting@charter.net.  

q   Copies of last month’s (covering the last four weeks) pay stub(s) confirming gross monthly salary.

q   Copies of last 2 months of bank statements (all pages, front & back) of all Checking, Savings, Investment, IRA, etc. accounts.   Note: If there have been any large deposits into one or more bank accounts, verification and a letter of explanation detailing the source of these funds must be provided.

q   Copies of last statement of Retirement Accounts, Profit Sharing Accounts and Life Insurance (if Whole Life or Universal), showing face and/or cash value.

q   Copies of W-2s for 2006 & 2007.

Note: If commissions, bonuses or overtime make up more than 25% of income, copies of full tax returns for the last two years with W-2s, 1099s, and all schedules.

q   Copy of complete divorce decree and all attachments (if applicable).  If Child Support is received, counted as income, and you choose to rely on this income to qualify, documentation of payments (i.e.,  printout  from Attorney General or copies of cancelled checks).

q   Copy of recorded or certified copy of HUD-1 on property sold within the past two years.

q   Copy of Driver’s License AND Social Security Card (lightened and enlarged to be legible)

Other:

q   HOME OWNERS INSURANCE AGENT CONTACT INFORMATION (NAME AND PHONE NUMBER) - Upon Executed Contract

q   APPRAISAL CHECK ($425 for FHA; $350 for Conventional or VA) - Upon Executed Contract