In order to get the approval process started, please gather the following items:

• Last two pay stubs. When you receive the next one automatically send it over to us - that keeps the file active
• Last two years W2’s, 1099’s, K-1’s. Most people are straight W-2 so unless you’re self-employed you won’t receive a 1099, K-1’s are if you receive dividend income or are self-employed.
• Last two years tax returns. Send all pages including schedules - If you write too much off on your schedule A this could be a problem.
• Last two years 1120’s or 1065’s if applicable (again, if self-employed)
• Last two years tax returns. Include all pages including schedules- If you write too much off on your schedule A this could be a problem.
• Last two months (consecutive) bank statements for checking and savings. **Please include all pages even blank ones**. When you receive the next one automatically send it to us. For any print screens, the URL will need to be at the bottoms including, name and address.
• Which account is your down payment coming from?
• We will need to source all large deposits that are not payroll related
• 401k statement or stocks, any assets for the last two months. If they are quarterly, send the last quarter’s statement along with a current print screen.
• We will need to source all large deposits that are not payroll related
• IRS Transcripts (validation that your tax returns are filed with the IRS)
• Please follow the directions from the IRS website: http://www.irs.gov/Individuals/Get-Transcript
• If you are unable to do this, your Stonehaven loan officer will order them for you!
• Contact for Human Resource Department at your company. We'll verify employment within 10 days of closing and three days after closing (it must be done twice) Does your employer use thetheworknumber.com? If so, you will need to set up a salary key code and PIN number.
• Copy of driver’s license - front and back
• Please email your loan officer with your current employer name, address, job title, length at your current employer. If less than two years, please list all employment for the last two years.