• Legible sales contract signed by buyers and sellers
• Name and address of landlord(s) for the past two years. (if eligible)
• Proof of all income from the past 24 months. (tax returns, paystubs)
• Previous two years W-2 forms.
• Copy of most recent year-to-date pay stub for all applicants.
• Name, address, account number, monthly payment and current balance for:
• Installment loans (including student loans, auto loans, mortgage loans)
• Revolving charge accounts (home equity, credit cards)
• Proof of all deposit accounts, checking, savings, money market, IRA and brokerage accounts.
• Three months most recent statements for deposit accounts, stocks, bonds, etc.
• If you chose to include income from Child Support/Alimony, copies of court records or cancelled checks showing receipt of payments.

If you are self-employed or paid by commission:

• Previous two years Federal Income Tax Returns with all schedules. Year to date profit and loss statement and balance sheet.
• Corporate tax returns and all schedules.

If you have filed bankruptcy in the last seven years:

• A copy of petition and discharge, handwritten explanation of the reason for bankruptcy, evidence of excellent credit since the bankruptcy.

If you have any additional questions please call Mr. Larry Lechel at 260-399-1673 or via cell at 260-348-7519 or via email at llechel@bluewatermortgage.com

Indiana Licensed Mortgage Company