2. If self-employed, most current 2 years signed individual federal tax returns with all schedules and business federal tax returns including K-1’s.

3. Most recent 30 days of pay stubs showing YTD for all W-2 borrowers. Please also include a contact person/telephone number to obtain verification of all borrowers’ employment.must be consecutive pay periods)

4. If this transaction is a purchase, please provide fully executed sales contract (signed by all parties) and copies (front and back) of any and all earnest monies (deposits).

5. Copy of the most recent mortgage statement(s) from your mortgage holder(s).

6. If there will be a second mortgage subordination involved in this new transaction, please provide the original line/loan agreement showing terms/conditions.

7. Copy of the declaration page(s) from your homeowners insurance disclosing the annual premium and renewal date.(usually the front page)

8. If the subject property is a condo or PUD, please provide the name of the project and contact information for the homeowner’s association/ property management firm.

9. Copies of the most recent 2 months (consecutive) bank statements (checking, savings and brokerage accounts) that you will be listing on the application. These must be the paper statements you receive in the mail or get online. The lenders will not accept any “account activity” or screen captures from the ATM. Please provide ALL PAGES – if the statements says page 1 of 12, we need all 12 pages).PLEASE ON SEPARATE PAGE DOCUMENT ANY NON-RECCURING DEPOSIT OR WITHDRAWAL IN EXCESS OF $1,000 AS THIS INFO WILL BE REQUIRED BY THE UNDERWRITER}

10. If applicable, provide copy of your divorce decree and settlement agreement to document any child support or alimony.

11. Legible copies of all borrowers current CT driver’s licenses. This is necessary to fulfill Patriot Act Disclosure. If you are not a US citizen, please provide copies of current visa or green card.(if faxing this item make sure you copy on a very light setting or it will not be readable)

Please fax all requested documents to 860-693-7636 or email as pdf files to rchain.fcm@comcast.net within 24 hours. Your credit report will not be generated until we receive your pre-processing documentation listed above, your interview has been completed and we have received a check payable to Freedom Choice Mortgage (lender) in amount of $25.00 to cover credit report expense (our mailing address is PO Box 1127, Canton, CT 06019).

We look forward to working with you on this transaction. Please call 860-693-7634 if you have any questions.


Robert E. Chain
Loan Officer
NLMS License # 61892
Freedom Choice Mortgage
50 Albany Turnpike, Suite 3010
PO Box 1127
Canton, CT 06019

rchain.fcm@comcast.net
phone 860-693-7634
facsimile 860-693-7636
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