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2) Gather Documents:

2 years of Federal Tax Returns
2 years of W2s
1 month of most recent paystubs
2 months of financial statements
(banking, investment, retirement, etc.)

For Purchase:

Landlord name and number if currently renting
Name and number of fire insurance agent
(If Condo, insurance info may not be needed)

For Refinance:

Copy of current mortgage note
Copy of current mortgage statement(s)
Name and number of fire/home insurance agent

<On to Step 3>