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Items Needed to Apply

Purchase:

  • a complete, fully executed copy of the Agreement of Sale
  • 10 business days prior to closing, the declaration page of your homeowner's insurance for the subject property and invoice/receipt evidencing the paid premium for one year with coverage that meets or exceeds the amount of mortgage borrowed
  • contact information for agents, title company, and/or attorney, if applicable
  • copies of cancelled checks and corresponding bank statements evidencing deposit on subject property

Refinance:

  • copy of current mortgage statement
  • homeowner's insurance Declaration Page
  • copy of paid real estate tax bills

General:

  • a copy of your driver's license or photo ID
  • copies of your most recent asset statements (checking, savings, money markets, CDs, retirement, etc) and must include all pages
  • gift letter and supporting documentation, if applicable
  • divorce decree, property settlement and/or separation agreement, if applicable
  • fully executed and completed mortgage application & relevant disclosures
  • Out of pocket costs for appraisal due 3 days after completed application 

Salaried:

  • recent pay stubs covering a 30 day period evidencing year-to-date earnings, your name, employer, and social security number
  • W-2s for the last two years
  • last two years of Federal personal tax returns with all pages, schedules, etc.

Self-Employed:

  • last 2 years' Federal business returns for all businesses, partnerships, LLCs, etc.
  • year-to-date Profit & Loss
  • name and telephone number of CPA for third party verification
  • letter from CPA confirming how long your business has been established

Retired:

  • most recent award letter issued by the Social Security Administration
  • two most recent month bank statements reflecting SSI deposit
  • two years of federal personal tax returns or 1099s

Contact us: customerservice@buckscountybank.net

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