_____ 2004 & 2003 W-2'S  (SELF EMPLOYED BELOW)

_____ 2004 & 2003 FEDERAL RETURNS (SIGNED)

_____ 2004 & 2003 CORPORATE RETURNS (SIGNED)

_____ YEAR TO DATE P & L STATEMENT (SIGNED)

_____ RECORDED COPY OF DEED (REFI'S & 2ND ONLY)

_____ HUD-1 STATEMENT ON PRESENT HOME IF CASH TO CLOSE IS FROM SALE

_____ LETTER EXPLAINING PURPOSE OF REFINANCE

_____ CASH OUT LETTER / USE OF PROCEEDS

_____ CREDIT EXPLANATION LETTER IF DEROGITORY CREDIT 

_____ DIVORCE DECREE / SEPARATION AGREEMENT

_____ EVIDENCE OF RECEIPT OF CHILD SUPPORT / ALIMONY

_____ SETTLEMENT COMPANY NAME AND PHONE NUMBER

_____ HOMEOWNERS INSURANCE AGENT NAME & NUMBER

_____ RATIFIED SALES CONTRACT AND ALL ADDENDUM'S

_____ COPY FIRST MORTGAGE NOTE (2ND'S ONLY)

_____ MOST RECENT 3 MONTHS BANK STATEMENTS ( ALL PAGES)

_____ QUARTERLY STATEMENTS OTHER ASSETS (ALL PAGES)

_____ CURRENT / UPDATED LEASES ALL RENTAL PROPERTIES

_____ MOST RECENT STATEMENTS OF ACCOUNTS TO BE PAID OFF

_____ MOST RECENT 30 DAYS PAYSTUBS

_____ COPY MOST RECENT SURVEY & OWNERS TITLE INSURANCE POLICY

_____ COMPLETED LOAN APPLICATION

_____ LISTING ON CURRENT RESIDENCE / CONTRACT

_____ BANKRUPTCY DISCHARGE

_____ SCHEDULE OF DEBTS INCLUDED IN BANKRUPTCY

_____ CHECK FOR CREDIT REPORT AND OR APPRAISAL MADE PAYABLE TO ESCROW ACCOUNT (CALL FOR AMOUNT)