• Copy of signed sales contract including all riders    已簽署的全部購屋合同

• Verification of the deposit you placed on the home    你需要用在購屋的資金證明

• Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved   房地產, 建築商, 保險經紀, 公證行的姓名, 地址和電話號碼

• Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)   清單副本和法律說明（如果有）（如果該物業是共管公寓 HOA，請提供共管公寓 HOA 的聲明、附則和最新預算）

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• Copies of your pay-stubs for the most recent 30-day period and year-to-date   (exclude Non-QM program)   最近 30 天和年初至今的工資單副本  (不查收入貸款除外)

• Copies of your W-2 forms for the past two years   (exclude Non-QM program)    最近兩年的 W2 表格 (不查收入貸款除外)

• Names and addresses of all employers for the last two years    過去兩年所有雇主的姓名和地址

• Letter explaining any gaps in employment in the past 2 years (optional)   解釋過去兩年就業差距的信函  (如有需要)

• Work visa or green card (copy front & back)   工作簽證或綠卡正反面

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If self-employed or receive commission or bonus, interest/dividends, or rental income   

如果是自僱人士或獲得佣金或獎金、利息/股息或租金收入 :

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• Provide full tax returns for the last two years (complete tax return including attached schedules and statements)  (exclude Non-QM program) PLUS year-to-date Profit and Loss statement        提供過去兩年的完整納稅申報表 （請提供完整的納稅申報表，包括附表和報表） (不查收入貸款除外)  以及年初至今的損益表 

• K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)  (exclude Non-QM program)     過去兩年所有合夥企業和 S-Corporations 的 K-1（請仔細檢查您的回報。大多數 K-1 不附加到 1040。） (不查收入貸款除外) 

• Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)   (exclude Non-QM program)    完成並簽署了聯邦合夥 (1065) 和/或企業所得稅申報表 (1120)，包括過去兩年的所有附表、報表和附錄。 （僅當您的所有權頭寸為 25% 或更高時才需要。）    (不查收入貸款除外)   

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If you will use Alimony or Child Support to qualify 

如果您將使用贍養費或兒童撫養費來獲得資格 :

• Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year    提供離婚判決/法院命令，說明金額，以及去年收到的資金證明

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If you receive Social Security income, Disability or VA benefits  

如果您獲得社會保障收入、殘疾或 VA 福利:

• Provide award letter from agency or organization  提供機構或組織的證明信

• Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)   出售您現有的房屋 - 如果未售出，請提供您當前住所和聲明或上市協議上已簽署的銷售合同的副本（在成交時，您還必須提供結算/成交聲明）

• Savings, checking or money market funds - provide copies of bank statements for the last 2 months   儲蓄、支票或貨幣市場基金 - 提供過去 2 個月的銀行月結單副本

• Stocks and bonds - provide copies of your statement from your broker  股票和債券 - 提供您的月結單

• Gifts - provide Gift Letter and proof of receipt of funds   贈金 - 請提供贈金信和收到資金的證明

• Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation   根據您的申請表和/或信用報告中出現的信息，您可能需要提交其他文件

• Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last two monthly statements    準備一份包含所有當前債務的所有姓名、地​​址、帳號、餘額和每月付款的清單，並附上最近兩個月的報表副本

• Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years   包括過去兩年抵押持有人和/或房東的所有姓名、地​​址、帳號、餘額和每月付款

• If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation   如果您要支付贍養費或子女撫養費，請包括說明義務條款的婚姻和解/法院命令

• Check to cover Application Fee(s)   檢查以支付申請費

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