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In order to process your loan application, we may need some of the following items:

* Last 2 Years Federal Tax Returns (1040's) (1041's, 1120's & 1065's if applicable)
* Last 2 Years W-2 forms (If applicable)
* Last 2 Paycheck stubs (If applicable)
* Last 3 months checking / savings / stock / IRA / bank / retirement statements
* Letters of explanation for derogatory credit (If applicable)
* Copy of Social Security / Retirement Award Letter (If applicable)
* Rental Agreement(s) (If applicable)
* Gift Letter (If applicable)
* Copy of statements for debts to be paid off (If refinance)
* Copy of Green Card / Immigration papers (If applicable)
* Copy of Driver License / Social Security Card (FHA loans)
* Landlord contact information (If applicable)
* Copy of Divorce Decree & MSA (If paying or receiving support)
* Copy of closing statement on sale of home (If applicable)
* Copy of business license (If applicable)
* CPA contact information (If applicable)
* Signed Year To Date Profit & Loss Statement (If applicable)
* Title & Escrow Information
* Copy of Purchase Agreement and all Counteroffers (If applicable)
* Realtor's name, address, phone / fax numbers (If applicable)
* DD 214 (VA loans)
* Copy of promissory note (2nd loans only)
* Copy of bankruptcy filing and discharge papers (If applicable)

 Standard Loan Closing Costs Are Estimated As Follows (In addition to origination and discount points):

Processing Fee	450.00
Tax Service	50.00 - 70.00
Flood Cert	9.00 - 12.00
Wire Fee	50.00 (if lender charges one)
Underwriting	395.00
Documents	250.00
Appraisal	350.00 & up
Credit Report	15.50

    *Most lenders we broker loans to have fees that total the same or about the same (within $100.00).  The only difference is that they may change the name of the fee, or add or delete some.  The total is usually the same in most cases when the dust settles.  If we have a choice of lenders with the exact same rate and points, then obviously we will choose the one with the lower fees.