Here is a list of the information that Elmira Savings Bank will use to consider your loan application:

• Social Security Number, for borrower and co-borrower if any
• Employment History
  • For the last two years, employment dates, addresses, salary
  • Current pay stubs or W-2 forms
• Checking and Savings Accounts and Certificates of Deposit
  • Location of bank accounts, account numbers and balances
  • Address of bank if out of town
  • Last 2 months' statements
• Stocks, Bonds, and Investment Accounts
  • Broker's name and address, description of stocks, bonds, etc.
  • Last 3 months' statements or copies of stock certificates
• Life Insurance Policies
  • Insurance company, policy number, face amount, cash value, if any
• Retirement Plan
  • Approximate vested interest value
  • Copy of latest statement
• Liabilities and Other Non-Mortgage Debt
  • Creditors' names, addresses, account numbers
  • Monthly payments and balances

Other income information you may need

• If you're self-employed
  • Two years' tax returns, profit and loss statements, both company and personal if separate
  • Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA
• If you have income from:
  • Commission
  • Overtime
  • Bonus
  • Partnership
  • Rental Property
  • Trust
  • Notes Receivable
  • Interests/Dividends
    • You'll need two years' personal federal tax returns
• If employed in family business
  • Personal federal income tax returns and all schedules for the past two years
• If divorced or separated
  • Complete executed divorce decree and settlement agreement
  • Payment history of alimony/child support over the past 12 months, if it is a financial obligation
  • If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits

If you own real estate

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

• If you've sold your home but not closed:
  • A copy of the sales contract
• If you've sold your home, closed, and you will use the proceeds for your new down payment:
  • A copy of the Closing Disclosure (CD) Uniform Settlement Statement

If you rent

Name, address and phone number of landlords for the past 24 months

If you're buying a home

• Purchase sales contract or offer to purchase and all addenda
• Furnish contract with original signatures of buyer and seller
• If a source of your down payment is a gift:
  • Name, address and relationship of donor
  • Gift funds will be verified in both the donor and recipient's accounts
  • Note: Not all loan programs allow gifts to be part of your down payment

For FHA Financing

• Evidence of Social Security Number and photo identification

For VA Financing

• DD214 and Certificate of Eligibility

For Construction/Perm Loan

• Signed construction with cost breakdown, builder plan and specifications