"I would like to take this opportunity to thank you and your Team for the excellent job you did in selling this property. As an accounting/finance professional, I tend to look at the numbers first and I know that the commission number wasn't too largely based upon the sales price of property - especially when it had to be split with another real estate agency.

However, I never felt I received any less service and attention than someone with an expensive property would have received. Additionally, being an out-of-state individual, chances are I'm not a good future prospect. But that didn't stop you from providing good service. Your team, Deb and Betty, were fantastic. Each performed their area of responsibility with the highest professionalism.

Thanks again!"

-- Marilyn Bieker

> MORE TESTIMONIALS

• W2 forms for the last two years
• Most recent pay stubs covering a 30 day period
• Year-to-Date Profit and Loss Statement (for self employed)
• Federal tax returns for the last two years, if:
  • you are self-employed
  • earn regular income from capital gains
  • earn sizable interest income, etc.
  • earn more than 25% of your income from commissions or bonuses
  • own rental property
  • or are in a career where you are likely to take non-reimbursed business expenses)

• Bank statements for previous 2-3 months on all accounts
• Statements for two months on all stocks, mutual funds, bonds, etc.
• Copy of latest 401K statement or other retirement assets
• Explanations for any large deposits and source of those funds
• Gift letter (if some of the funds come as a gift from a family member - the lender will supply a blank form)

• Verification of donor’s ability to make the gift (bank statement)
• Copy of the check used to make the gift
• Copy of the deposit receipt showing the funds deposited into bank account or escrow (Note: many get their statements of various kinds over the internet and these are not always acceptable to lenders, especially when the printed version does not contain the borrower's name, account number, and the name of the institution.)

• Landlord’s name, address, and phone number (if you rent - for verification of rental)
• Explanations for any of the following items which may appear on your credit report:
  • Late payments
  • Credit inquiries in the last 90 days
  • Charge-offs
  • Collections
  • Judgments
  • Liens
  • Copy of bankruptcy papers if you have filed bankruptcy within the last seven years