What information will be needed for the application (and how it's kept private)

Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

For all loans

Social Security Number, for borrower and co-borrower if any

Income Information if Salaried: Copies of last two years tax returns - MUST BE SIGNED AND DATED with W2's, pay stubs covering last 30 day period that show year to date gross income

Employment History: For the last two years, employment dates, addresses, position held and years in same line of work.

Asset Information: Checking and Savings Accounts, Certificates of Deposit and earnest money deposit if any.
Location of bank accounts, account numbers and balances;
Address of bank
Last 3 months' statements

Stocks, Bonds, Mutual Funds 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 Plans
IRA's, 401(k)'s, Pension Plans with vested interest value
Copy of last 2 statements

Automobiles
Make and model of automobiles, their resale value

Other Assets
Market value of personal and household property

Liabilities:  This information will be provided by your credit report including Non-Mortgage Debt, Creditors names, addresses, account numbers
Monthly payments and balances

Other income information you may need

If you're self-employed
Copies of last two years tax returns - MUST BE SIGNED AND DATED with 1099's

Your tax return should include income from:
Commissions
Overtime
Bonuses
Partnerships
Rental Property
Trusts
Notes Receivable
Interest/Dividends

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 HUD-1 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


American Loan Solutions 9811 West Charleston Blvd., Ste. 2409, Las Vegas, NV 89117
Phone: Cell: Fax:

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