Homebuyers

Looking to purchase a home in Southwest Florida? We’ve complied home buyer resources that will help you during your home buying experience.

Have questions on which program you might qualify for? We can help!

Loan Options

Which loan program is right for me?
We offer several loan options to help meet your mortgage needs. Check out the list below for details on what options we have available.

Loan Types

What different mortgages are available to me? Discover our most popular loan programs.

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Property Types

Condo, duplex, manufactured…we have financing for property types beyond single family homes!

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Document Checklist

We know – there is a lot of documentation required when you apply for a home loan. We promise we’re not doing this so you have to work harder – as a mortgage lender, it is required by law to have all these documents. That’s why we’ve come up with this handy checklist and helpful tips so you feel prepared when you start the home loan process.

Standard Documentation

The following documentation is usually required during the loan process:

  • Most recent 30 days of pay stubs from all jobs
  • Most recent 2 months of bank statements
  • Most recent 2 years of W-2s from all jobs
  • Most recent 2 years of Federal Tax Returns if you file a schedule C, E or F or claim employee business expenses
  • Copies of state issued picture ID

Documentation if Applicable

The following additional documents may be required if they apply to you:

  • Bankruptcy discharge papers & copy of Bankruptcy Petition with all schedules if discharged in last 7 years
  • Foreclosure documentation (Sheriff Sale Deed)
  • Divorce decree if ongoing financial obligation or property award is involved
  • Social Security award letter
  • Income Award letters (social security, pension, VA disability)
  • Current 401k, IRA or investment account statement

VA Loans

If you are a veteran applying for a VA loan, the following documentation will be required:

  • Copy of DD214 if discharged from the military within the last two years.
  • Copy of LES if using military pay to qualify
  • Proof of any additional military/VA pay

Good to know

Please keep in mind:

  • Documents must be submitted in their entirety. If a document says “1 of 6” we will need all 6 pages of that document, even if it is blank.
  • We always need consecutive documents, meaning if we need 2 months of bank statements, each day in those 2 months must be represented in the statements.
  • If you have received a financial gift to help with your down payment, the donor will need to fill out a gift letter and provide a bank statement to verify they have sufficient funding
  • Use our online system to upload docs. It’s fast, secure, and available 24/7!