REQUIRED DOCUMENTS FOR PURCHASES

1. Two (2) most recent pay check stubs
2. W-2 for the last two years
3. If self-employed need tax returns for last two years (all pages) and profit and loss statement for the current year.
4. Last three month bank statements for both checking and saving bank accounts (ces of all pages)
5. Most recent statement of 401-K, 403B, IRA or other retirement plans
6. Copy of sales contract including all addendum
7. Copy of Earnest Money Deposit check (front and back)
8. Listing and selling agent telephone and fax numbers
9. Closing attorney or title company who will handle the closing for both parties (buyers and sellers)
10. Copy of lease agreement on rental properties (if applicable)
11. $250 check for appraisal and application fee payable to Sheridan Mortgage Services

REQUIRED DOCUMENTS FOR REFINANCE

(Only required after verbal approval from lender)

1. Two (2) most recent pay check stubs
2. W-2 for the last two years
3. If self-employed need tax returns for the last two years (all pages) and profit and loss statement for the current year.
4. Last three month bank statements for both checking and saving bank accounts (copies of all pages)
5. Most recent statement of 401-K, 403B, IRA or other retirement plans
6. Last mortgage statement received from mortgage company
7. Declaration page of homeowner insurance and agent information
8. Deed
9. Title insurance
10. Survey
11. $250 check for appraisal and application fee to Sheridan Mortgage Services