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:
  • Rent Roll
  • Schedule E

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