Copy of signed sales contract including all riders, if a home purchase
Names, addresses and telephone numbers of all Realtors, builders, insurance agents and attorneys involved
Copy of the Listing Sheet and legal description of the home, if available. If the property is a condominium, please provide a Condominium Declaration, by-laws and most recent budget
Your Income
Copies of your (and co-applicant's) paystubs for the most recent 30-day period
Copies of your (and co-applicant's) W-2 forms for the past two years
Names and addresses of all employers for the last two years
If you (or co-applicant) are self-employed or receive a commission or bonus, interest/dividends or rental income:
Provide full tax returns for the last two years PLUS year-to-date Profit and Loss Statement. Please provide complete tax returns including attached schedules and statements. (If you have filed an extension, please supply a copy of the extension.)
K-1's for all partnerships and S-Corporations for the last two years. (Please check your return as most K-1's are not attached to the 1040.)
Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and agenda for the last two years. (Required only if your ownership position is 25% or greater.)
If you will use Alimony, Maintenance or Child Support to qualify:
Provide divorce decree/court order stating amount and proof of receipt of funds for the last year
If you receive Social Security income, Disability or VA benefits:
Provide award letter from agency or organization
Source of Funds and Down Payment
Sale of your existing home - provide a copy of the signed sales contract for your current residence, and statement or listing agreement, if unsold. (At closing, you must also provide a settlement/Closing Statement.)
Savings, Certificates of Deposit (CD), checking or money market funds - provide copies of bank statements for the last 3 months
Stocks and bonds - provide copies of your statement from your broker or copies of certificates
Gifts - if part of your cash to close, provide a Gift Affidavit and proof of receipt of funds.
Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation.
Debt or Obligations
Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements.
Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years.
If you are paying alimony, maintenance, or child support, include marital settlement/court order stating the terms of the obligation.
A check to cover the application deposit. Call your Mortgage Specialist for the exact amount.
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by Harris N.A. and its affiliates. Member FDIC.
Third
party web sites may have privacy and security policies different
from Harris. Links to other web sites do not imply the
endorsement or approval of such web sites. Please review the
privacy and security policies of web sites reached through links from
Harris web sites.
Brokerage products offered through
Harris Investor Services, Inc. registered broker/dealer, member
FINRA/SIPC, SEC-registered investment adviser. Insurance and annuities
offered through Harris Bancorp Insurance Services, Inc. Harris
Investor Services, Inc. and Harris Bancorp Insurance Services, Inc.
are affiliates of Harris N.A. and its banking subsidiaries. Products
offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY
FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE
VALUE.
United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein, including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties; and (2) nothing contained herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or tax advice is made herein, Harris N.A. does not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which such tax statement or tax advice relates. Harris N.A.does not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.
Third
party web sites may have privacy and security policies different
from Harris. Links to other web sites do not imply the
endorsement or approval of such web sites. Please review the
privacy and security policies of web sites reached through links from
Harris web sites.