Anything you submit over our 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 and convince them to loan you money. 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.

Social Security Number, for borrower and co-borrower if applicable

Employment History:

For the last two years: employment dates, addresses, salary, current pay stubs and W-2 forms.

Assets:

Two consecutive statements for any Checking, Savings Accounts, Money Market and Certificate of Deposit accounts.

One most recent statement for any Stocks, Bonds, and Investment Accounts.  This must reflect the Brokerage company name, your name, description of stocks, bonds, etc.

Cash Value Life Insurance Policies
Insurance company, policy number, face amount.  Without a cash value, it cannot be used.

Retirement Plan
Approximate vested interest value
Copy of latest statement

Automobiles
Make and model of automobiles, their resale value

Other Assets
Market value of personal and household property

Liabilities and Other Non-Mortgage Debt
Creditors names and account numbers
Monthly payments and balances

If you're self-employed
Two years tax returns (all pages), 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.

If you have income from:
Commission
Overtime
Bonus (25% + of total earnings only)
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

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 12 months

Purchase sales contract or offer to purchase and all addenda
Furnish contract with signatures of both the 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