The following information is a broad list of items typically required for the mortgage application process.  Contact Public Trust Mortgage to determine if more detailed and specific documentation is needed.

The categories that you fall under below are required reading.  Thank you.

ALL LOAN APPLICATIONS:

	Copy of your Purchase Contract, signed by all buyers and sellers (for purchase transactions).
	Original pay stub(s) covering the most current 30-day period for each applicant (for example, if you are paid twice a month, you would need to bring two pay stubs). Continue to save your pay stubs until you close your loan.
	Original W-2 forms for the last two years, for each applicant.
	Original bank statements for the past two to three months, for all checking and savings accounts (all pages) with explanation and proof of deposits not from payroll. Continue to save your bank statements until you close your loan. Name, address, and phone number of landlord for the last 12 months, if you are currently renting or have rented m the past 12 months.
	Original 401K and IRA statements (if applicable).
	Original investment and account statements for the past three months, if applicable (mutual fund accounts are an example).
	Last 12 months' canceled mortgage payment/rent checks (if available).
	A check for payment of any application fees (necessary to order an appraisal and credit report).

IF YOU ARE APPLYING FOR AN FHA LOAN:

 Photocopy of driver's license or acceptable photo I.D. & Social Security Card.

IF YOU ARE APPLYING FOR A VA LOAN:

	VA Certificate of Eligibility
	Form DD-214 or, for in-service veterans, Statement of Service if discharged within last two years.
	Most recent Leave and Earnings Statement (in-service veterans only).
	Name and address of child care provider (if applicable).
	Original pay stub for lender's file.

IF YOU ARE SELF-EMPLOYED OR HAVE COMMISSION INCOME:

	Copies of your last two years' personal and business federal signed income tax returns. (Please sign in blue ink. )
	Year-to-date Profit and Loss Statement and Balance Sheet (self-employed only).

IF YOU ARE DIVORCED:

	Complete signed copy of all divorce decrees and separation agreements, including any stipulations or modifications.
	Proof of receipt of child support payments for the last 12 months (if you are using this income to qualify for your mortgage loan or if you are required to pay child support).

MISCELLANEOUS ITEMS:

	If you have graduated from high school or college within the last two years, enclose a copy of your diploma or transcripts.
	If during the past two years, you have a gap in your employment of 30 days or more, include a letter explaining the reason.
	If you have closed on your present home, provide a copy of your signed HUD-1 Settlement Statement showing the amount of proceeds (if  the sale Is not yet complete, please provide a copy of the Purchase Offer).
	If you are receiving a gift for part of your down payment, you will be given a gift letter at time  of application.
	If you are being relocated by your employer, provide a copy of your company's relocation policy.
	If you are a first-time home buyer and eligible for your local finance authority's assistance program, bring in a complete copy of your last three years' federal income tax returns. (Please sign in blue ink)
	If you have declared bankruptcy in the last seven years, provide a copy of Petition Decree, Schedule of Creditors, and Discharge, as well as a letter explaining the reason why you Filed for bankruptcy.
	If you have rental property, provide copy of current lease and copies of last two years' signed federal income tax returns. (Please sign in blue ink)