• Personal Federal Tax Returns (full return) (2+ years)
• W-2s for same years as Tax Returns
• Paystubs (consumer loans) Most recent 30 days of paystubs (must include YTD income) If you are paid every week, we need five paystubs, if paid biweekly, we need two.
• Awards Letter (ie: Soc Sec, Pension if applicable)
• Personal Financial Statement (commercial & ag loans)
• Business Federal Tax Returns (if applicable) (2+ years)
• K-1 (if applicable) (2+ years)
• Current Rent Roll (if applicable)
• Current A/R and A/P aging (if applicable)
• Application Most recent two (2) months of bank statements (All pages, front and back, must have bank name and account number).
• Payoff Statements (if applicable).

If you have any additional questions about the requirements, please reach out to your nearest Tri-County Bank Lender!

In addition to the above list, there are two additional, loan specific, lists for HELOCs and Home Mortgages.

APPLICATION

            Completed URLA (Uniform Real Estate Loan Application) – signed and dated

          URLA Borrower

          URLA Additional Borrower (if joint)

            Copy of Photo ID

            If currently renting, please provide landlord contact information. (This is used for Verification of Rent if necessary.)

INCOME & ASSET DOCUMENTS

            Most recent 30 days of paystubs (must include YTD income)

If you are paid every week, we need 5 paystubs, if paid biweekly, we need 2.

            Last two (2) years of W2, 1099, Awards Letter (ie: Soc Sec, Pension)

            Last two (2) years of Personal Tax Returns

            Last two (2) years of Business Tax Returns (if applicable)

            Most recent two (2) months of bank statements

            All pages, front and back, must have bank name and account number.

            Most recent statement for 401K, pension and/or investment accounts.

All pages, front and back, must have bank name and account number.

PROPERTY INFORMATION

             Purchase Agreement (if applicable)

            Copy of Homeowner’s Insurance (quote or current policy)

            Most recent copy of current Home Mortgage Statement (refinance only)

APPLICATION

____  Completed HELOC Application and Signed Documents

____  Copy of Photo ID

INCOME & ASSET DOCUMENTS

____   Most recent 30 days of paystubs (must include YTD income)

If you are paid every week, we need 5 paystubs, if paid biweekly, we need 2.

____   Last two (2) years of W2, 1099, Awards Letter (ie:  Soc Sec, Pension)

____  Last two (2) years of Personal Tax Returns

____   Last two (2) years of Business Tax Returns (if applicable)

____ Most recent two (2) months of bank statements

All pages, front and back, must have bank name and account number.

____ Payoff Statements (if applicable)

PROPERTY INFORMATION

____  Copy of Homeowner’s Insurance (current policy)

____  Most recent copy of current Home Mortgage Statement (if applicable)