• Most recent two years W-2's
• Consecutive paystubs covering the most recent full month
• Name, address, and phone number of all employers during past 24 months, with according time periods
• Three most recent monthly statements for all depository accounts including checking, savings, money market, certificates of deposit, etc.
• Most recent quarterly statements for brokerage accounts, 401k plans, pension plans, IRAs, etc.
• Name, address, and phone number of current/previous landlord(s) for past 24 month period (if applicable)
• List of all current credit obligations (i.e. mortgages, credit cards, car loans, student loans, personal loans, home equity loans, credit lines, etc.) Please list the full name, address, account number, monthly payment, and outstanding balance for each debt
• Copy of Agreement of Sale (this applies to purchase transactions only)
• Copy of Deed or Legal Description, if readily available
• Copy of current Homeowners Insurance Policy OR name and phone number of Insurance Agent
• Credit Report Fee in the amount of $65.00 made payable to: Mortgages First Associates, LLC.

Special Cases (If Applicable)

• Self-Employed Borrowers: Copy of the past 2 years Federal 1040 Tax Returns including all schedules and/or copies of the past 2 years Corporate or Partnership Tax Return including all schedules
• Rental Income: Copy of Leases or Rental Agreements for all properties
• Construction Loans: Copy of construction contract, blueprints, and detailed builder specifications
• Divorce: Copy of Divorce Decree and Separation Agreement. Also, any settlement or other documentation showing your right (or obligation) to receive (or pay) alimony or child support.
• Bankruptcy: Petition and all paperwork for bankruptcy including Discharge of Debtor documentation
• Gifts: Signed gift letter from each donor furnishing funds for the transaction stating the gift amount and that the funds are a gift with no repayment required. Please call for details.
• Employment Gaps: Signed letter explaining any employment gaps during the last 24 month period.

  
  NOTE: IF YOU ARE MISSING ONE OR MORE ITEMS, IT IS BETTER TO SUBMIT WHAT YOU HAVE AND MAIL THE ADDITIONAL DOCUMENTATION LATER.

  Mail Applications		Online Applications
  Forward documents with original application to: Mortgages First Associates, LLC  700 Milford Road                         East Stroudsburg, PA 18301		Documents may be Faxed to (215) 893-4470