Everything I need to start your loan package:

• Tax Returns for 2009 and 2010- Must have filed your tax returns, we will be ordering a Transcript of the filed returns to verify your 1040's. In the event you cannot find your Tax Returns, you will need to go to the IRS Consumer Division and order a copy they will give them to you there.
• W-2's and 1099's for 2009 and 2010.
• Pay stubs covering last 30 days.
• 2 Most recent bank statement, all pages for all accounts for last 60 days.
• Investment accounts, 401k or IRA account statements, all pages most recent statement.
• Copy of Driver's License and Social Security Card - If you do not have your SSN Card you will need to go down to Social Security Office and get a new one.
• Copy of mortgage statement if you own any properties.
• Contact Information of Landlord if renting - Need name and Phone number.
• Contact Jake Jacobson at American Family Insurance at 480-513-8361 or email jjacobso@amfam.com for a quote that we will need to run your application. They are a Home Owner Insurance group that we work very closely with.
• Letter of Explanation regarding Inquires on your credit. If you have not added any new credit lines, then this will suffice: I have not opened any new credit lines, or added any other debt not listed on my credit report. SIGNED, DATED
• Letter of Explanation regarding ANY derogatory credit explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again. SIGNED, DATED
• IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order

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