Borrower Identification

Government-issued photo ID Social Security Card VA Certificate of Eligibility (COE) DD-214 if veteran is discharged Statement of Service if active-duty Proof of marital status

Income Documentation

Last 30 days of pay stubs Last 2 years of W-2s Last 2 years of federal tax returns Self-Employed: tax returns & P&L Proof of other income sources

Asset Documentation

Last 2 months of bank statements Retirement account statements Proof of earnest money deposit Gift letter & donor's proof of funds Verification of large deposits

Liability & Credit Documentation

Tri-merge credit report Explanation of derogatory accounts Documentation on disputed accounts Divorce decree (if applicable) Bankruptcy papers (if applicable) Foreclosure/Short Sale documents Proof of payment arrangements Proof of re-established credit

Property Documentation

Executed Purchase Contract VA Amendatory Clause Seller's property disclosure VA Appraisal (Notice of Value) Pest inspection report Proof of escrow for taxes/insurance Homeowners insurance policy Condo HOA certification (if applicable)

VA-Specific Forms & Disclosures

VA Loan Analysis Worksheet VA Loan Summary Sheet IRRRL Certification (if applicable) VA Residual Income Worksheet Funding Fee Exemption proof VA Debt Questionnaire Nearest Living Relative Form

Additional Underwriting Conditions

Updated pay stubs/bank statements Verification of rent Letter of explanation (LOX) Proof borrower not obligated on debts Cancelled checks for verification Proof of resolved judgments/liens Proof of cleared NSF overdrafts Documentation of inquiries Child care expense affidavit

Optional Add-ons

Summary cover letter from Loan Officer Pre-approval letter Borrower Authorization form Patriot Act disclosure Escrow instructions Title commitment