1. Gather all of the requested items below (Include all requested pages, including any blank pages, for each requested document.)
2. Create a folder on your computer to save all of those items. Include all requested pages, including any blank pages, for each requested document.
Employment Income Information
- Two most recent pay stubs within the last 30 day period
- Two most recent years' W-2 forms
- Two most recent personal income federal tax returns - all pages, schedules and statements
- Word document of explanation for any change in job or gap in employment
- If self employed, proof of self employment for at least two years (ex. business license, proof of liability insurance, letter from your accountant)
Business Income Information (if applicable)
- Business income federal tax returns for most recent two years - all pages, schedules and statements
- Business financial statements (ex. current balance sheet, year-to-date profit and loss statement)
Other Sources of Income (if applicable)
- Most recent Social Security Award Letter
- Most recent 1099 form for all pension accounts
- Proof of receipt of child support (ex. up to 12 months cancelled checks or bank statements to show deposits)
- If you have other sources of income not specified, please discuss documentation requirements with your loan officer.
- Two most recent bank statements
- Two most recent statements for investment and/or retirement accounts (ex. 401Ks, IRAs, mutual funds, stock, etc.)
- Landlord name, address and phone number for last 2 years and most recent 12 months of cancelled rent checks
- Most recent mortgage statement or mortgage payment coupon
- Letter of explanation for credit inquiries and, if applicable, most recent billing statements for any new loans or credit obligations
- Letter explaining any derogatory credit items
- Additional documentation may be needed if you are a co-signer of debt or if you’ve had a previous bankruptcy discharge.
3. Create a folder on your computer with ALL of these items labeled accordingly.
4. Click this link to apply using our recommended lender, Deb here, and upload all of these documents through her website.
5. Email Deborah.A.Lasota@citizensbank.