Please submit the following documentation with your preapproval request to enable us to quickly and completely evaluate your request.

1.

Copies of: The most recent pay stub(s) for (all) borrower(s). All W-2's for the last two years from all employers (present and previous). All pages to the most recent two months statements from all depositories and accounts you will be utilizing for downpayment, closing costs and reserves. Most recent statements from all creditors. The name(s) and mailing address(es) of all landlords over the most recent two year period (if you have been a tenant) OR copies of the front and rear of your last twelve (12) months cancelled rent checks.

Conditional Documentation:
Please submit the following documentation as it applies:

2.	If you derive any of your income from commissions or self-employment or own any rental real estate, please submit copies of your 2002 and 2003 signed Federal income tax returns with all schedules and W-2's.
3.	If you have 25% or greater ownership interest in a corporation, please submit copies of the 2002 and 2003 signed Corporate tax returns (Federal) with all schedules, W-2's and the documentation listed it item #2 above.
4.	If you have 25% or greater ownership interest in any partnerships, "S" corporations or trusts, please submit copies of the 2002 and 2003 Federal income tax returns for each entity with "K-1" schedules and the requested documentation from item #2 above.
5.	If you are obligated to pay either alimony or child support, please submit a copy of the complete, final signed divorce decree with all stipulations and attachments.
5a.	If you receive alimony and child support AND WISH IT TO BE CONSIDERED AS A BASIS OF REPAYMENT ON YOUR MORTGAGE, please submit the documentation in item #5 with evidence showing receipt of the alimony and/or child support for the past 12 months (for example - 12 months of cancelled checks).
6.	If you own any residential rental real estate (1-4 family), please submit copies of current signed leases (as available) or signed and notarized tenant rental statements along with copies of the most recent real estate tax bill(s) and mortgage statement(s) FOR EACH RESIDENTIAL RENTAL PROPERTY AND YOUR PRIMARY RESIDENCE(S).
7.	If you are selling another property in order to purchase this home, please provide us with a copy of the (real estate broker's listing agreement and, (if available) the fully signed Purchase and Sales Agreement with all addenda.

Note: Other documentation may be required due to your individual circumstances. We will notify you accordingly. Thank you very much for your prompt attention to this request.

If you have not done so already, please call us at 800-444-4300 ext. 2286 to schedule a personal and confidential appointment to explore Preapproval consideration for residential mortgage financing from Winter Hill Bank.