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)
  • Proof of Income (recent paystub, W-2, Tax Return if self-employed)
  • Physical title to the vehicle (if refinancing a vehicle)
  • Proof of insurance

Home Mortgage 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

Business Loan

  • 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:

Agricultural Loans

  • 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