Getting Started

Once you fill out an application and determine which type of loan is right for you, you will need to provide Cousins Home Lending with some important information. The following is a partial list of some of the documents you may need to provide:

Income Information
• Pay stubs for the last 30 days, including year-to-date income
• W-2 Statements for the past 2 years

Self Employed Persons
• Last 2 years' personal tax returns and partnership or corporate tax returns if applicable.

Rental/Lease Income
• Copy of Rental/Lease Agreements
• Last year's tax returns

Social Security/Pension/Retirement/Disability
• Award Letter
• 2 months' bank statements or copies of checks

Assets
• Most recent 2 month's bank/brokerage account statements
• Most recent IRA/401k statement
• Gift letter, if gift funds are being used
• Certified copy of HUD-1 settlement statement from sale of present property

Credit History
• Provide written explanation for any collections, judgements, liens, defaults or foreclosures
• If filed for Bankruptcy, provide petition and discharge papers


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