Conventional Owner Occupied and SBA Loans

• Last 3 years federal tax returns on the business
• Year to date Profit/loss statement and balance sheet on the business (no older than 60 days)
• Business Debt Schedule
• Last 3 years federal tax returns of the borrower
• Personal Financial Statement
• Credit Release Authorization
• Borrowers resume'
• Property Rent Roll (if multiple tenants)
• Purchase agreement, notes to refinance, or construction budget depending upon the situation
• If available, please also provide photos of the subject property as well as copies of any previous appraisals, environmental reports or title work.

Investment Real Estate

• Last 3 years property operating statement
• Year to date property operating statement
• Property Rent Roll
• Last 3 years federal tax returns of the borrower
• Personal financial statement
• Credit Release Authorization
• Purchase agreement, notes to refinance, or construction budget depending upon the situation
• If available, please also provide photos of the subject property as well as copies of any previous appraisals, environmental reports or title work.

Stated Income Loans

• Purchase agreement or notes to refinance depending upon the situation
• Property  Rent Roll (if multiple tenants)
• Year to date property operating statement (if investment real estate)
• Last years property operating statement (if investment real estate)
• Credit Release Authorization
• Personal Financial Statement
• If available, please also provide photos of the subject property as well as copies of any previous appraisals, environmental reports or title work.