Being prepared with this documentation before your loan appointment can expedite your application process!

Consumer Loan

Identification (usually a driver’s license, possibly your social security card)
Two most recent years of W2
Two most recent years of Personal Federal Tax Returns, including all schedules
Two most recent years of Business Federal Tax Returns, including all schedules
One month of most recent pay stubs
Most recent two months of bank statements with ALL PAGES including checking savings, investment, and retirement accounts (any unusually large deposits must be documented and a written explanation be provided).
Contract of Sale for purchase or most recent copy of your current mortgage statement for a refinance
Gift Letter, include copy of Gift Check and two months of bank statements from donor. Bank statements must include ALL PAGES and any unusual large deposit must be documented and a written explanation provided
Homeowners Insurance Information: Company and Agent that will be used

3 -5 years Business Tax Returns
3 -5 years Personal Tax Returns
Personal Financial Statement
Current YTD Profit & Loss and Balance Sheet
Current Accounts Receivable and Accounts Payable Aging Reports
Inventory and Equipment listing with market values
Debt Schedule
Business Plan (new start-ups)
Corporations:
- Articles of Incorporation
- Corporate Resolution to Borrow
LLC’s and Partnerships:
- Articles of Organization
- Operating Agreement
- LLC or Partnership Resolution
For Rental Properties:
- Rent Roll
- Schedule E

3 – 5 years Personal Tax Returns
Farmer Financial Statement
Current YTD Profit & Loss Statement and Balance Sheet
Current Accounts Receivable and Accounts Payable Aging Reports
Inventory and Equipment listing with market values
Debt Schedule
Business Plan (new start-ups)
Corporations:
- Articles of Incorporation
- Corporate Resolution to Borrow
LLC’s and Partnerships:
- Articles of Organization
- Operating Agreement
- LLC or Partnership Resolution