Documentation to Bring

Please bring your financial documentation, as your loan officer will need this when you apply. The following documents will help ensure your application goes smoothly and quickly: 

Income Verification Documents

  • Name, addresses, and phone numbers of all employers over the last two years
  • Monthly debt obligations
  • Address of property being purchased, year built, est. down-payment amount, and purchase price
  • Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

Income Verification Documents
(self employed)

  • Federal tax returns (personal and business) for the past three years
  • List of all business debts
  • Profit and loss statement (year-to-date)

Tax/Income Documents

  • IRS Form 4506-T - Request for tax transcript, completed, signed and dated
  • W-2s for the past two years
  • Pay stubs covering the last 30 days
  • Written explanation if employed less than two years or employment gap exists within the last two years
  • Federal tax returns (1040s) for the past two years

Asset Verification Documents

  • Asset/bank statements - Most recent two months' statements for all accounts listed on the application (savings, checking, retirement, stock, bonds, etc.)
  • *Include all pages of the statement, including ones that are blank.

Credit Verification

  • Judicial Decree or court order for each obligation due to legal action
  • Bankruptcy/discharge papers for any bankruptcies in credit history
  • Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history
  • Payment history for public utilities, phone, cable TV


  • Full legal name, Social Security number, and birthdate (in some cases, you may be asked to provide a copy of your Social Security card)
  • Phone number, email address, and current and former residential mailing addresses over the last two years
  • Primary / secondary income amounts & sources
  • Government-issued photo ID


  • Homeowners insurance information, including agent's name, address, phone number and email address
  • Phone number, email address, and current and former residential mailing addresses over the last two years
  • Purchase contract signed by all parties


If you're looking for a trusted lender, you're in the right place. Interested in how much you can qualify for?  Curious who offers the best rates? We can answer any questions you have about a Las Cruces, NM mortgage and help you find the loan program that best meets your needs.

Please call us today or apply online in less than 10 minutes using SimpleApp, our secure online application. We look forward to answering your questions and helping you make your dream of homeownership a reality!

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