Please be prepared to provide copies of these documents at the time of your application:

• Pay stub: 2 pay periods per borrower
• W-2 statements: 2 years per borrower
• Bank statements: 2 months per borrower. Please include savings and checking accounts with all pages, account numbers and balances.
• Investment accounts: 2 most current statements with the same information as above.
• Driver’s license: 1 copy for each borrower
• Social Security Card: 1 copy for each borrower
• Residence address for the last 7 years
• Employment: Name and address of each employer for the last 3 years
• Self-employed: 2 years of personal and business tax returns
• Commissioned employee: 2 years of personal and business tax returns
• Divorced within the last 5 years: please provide the divorce decree
• Bankruptcy: within the last 7 years, please provide the discharge papers
• Real estate owned: address, account number, balance, rental information, homeowner’s insurance and HOA dues
• Bonus/Commission: proof for a minimum of 2 years
• Appraisal: Colonial National Mortgage will need a check in hand prior to ordering the appraisal

Additional Items Required for Refinance or Home Equity Loans: 

• Survey — accurate copy needed for all loans HUD statement
• Deed of Trust
• Home owner’s insurance declaration page
• Property tax bill or receipt