Here is a list of the information that you will need to complete the home loan application; plus the supporting documentation CBTx will need to process your loan application:

• Two forms of ID for each applicant (drivers license; SS card; passport; CHL permit; military ID).  At least one form must be a photo-ID.
• Employment History
  • For the last two years, employment dates, addresses, gross salary (monthly)
  • Current pay stubs (covering the last 30 days) 
  • The last 2 years' W-2 forms
• Bank/ Credit Union Account Information
  • Bank name; account number; account type (checking, savings, etc.); and current balance for each account.
  • Last 2 months' statements for each account; all pages of each statement.
• Investment Account Information (if applicable)
  • Investment company or advisor's name and address; current balance in the account(s).
  • Last 2 months' statements; or copies of stock certificates (if applicable).
• Retirement Plan
  • 401K or 403B plans:  Approximate vested balance in the account.
  • IRA or Roth IRA accounts:  Plan name (bank or investment) and current balance.
  • For all types:  Copy of latest account statement; all pages please.
• Liabilities and Other Non-Mortgage Debt
  • Creditors' names, addresses, account numbers
  • Monthly payments and approximate balances
  • For a child-support or alimony payer, provide a copy of the court order (divorce decree) showing the amount of your payment.

Other income information you may need

• If you're self-employed
  • Last two filed tax returns, both personal and business (if applicable), including all schedules and W-2 forms; signed and dated.
  • If your loan will close after the normal filing deadline (April 16th) and you have not filed personal and/or business returns by the closing date, please provide a copy of your request for extension and a profit and loss statement with balance sheet for most recent year end.
• If you have income from commissions, overtime, bonus; notes receivable; rental property; or interest/dividends
  • Please provide your last two filed personal federal tax returns; with all schedules; signed and dated.
• If employed in family business
  • Personal federal income tax returns and all schedules for the past two years; signed and dated.
• If you choose to disclose income from child support or alimony
  • Complete executed divorce decree; must have the judge's signature and evidence of filing.
  • Evidence of receipt of this income for the past 12 months; can be a printout from the AG's office or copies of your bank statements for the past 12 months.

If you own real estate and ...

• 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) from the home sale
• If you have property(ies) that you are retaining, please provide
  • A copy of the most recent tax statement and insurance invoice (if applicable) for each retained property.
  • Is their financing on this property? Please provide the lender name, account number, payment, and current balance.

If you're refinancing your home

• A copy of your most recent mortgage statement (if applicable)
• If you don't escrow for insurance and taxes, please provide a copy of the most recent tax and home insurance statements.
• A copy of the survey (showing boundary lines and all improvements).

If you're buying a home

• Sales contract with all addenda; signed and dated by all parties.
• If a source of your down payment is a gift:
  • Name, address and relationship of donor; and amount of the gift.
  • Gift funds must be verified in both the donor's account (before the gift transfer) and recipient's account (after the transfer).

For Construction Financing

• Signed builder contract with cost breakdown.
• House plans showing elevations (from all sides) and floor plan; plus the specifications ("spec sheet").

For FHA Financing

• Social Security card for each applicant is required.  Please contact the nearest Social Security office if you don't have a card.

For VA Financing

• DD214 (Member Copy #4) and Certificate of Eligibility (COE).   If you don't have a COE, we can usually obtain it electronically.