For purchasing / refinacing 

• Most recent 30 days consecutive pay stubs
• Verification of any other sources of income such as child support, social security, retirement, etc. that you want to use to qualify
• Last two years of federal tax returns with all schedules 
• Last two years of W2s for ALL jobs you held in the prior two years
• If self-employed; last two year's business returns with all schedules
• Last two months of bank statements (all pages)
• Divorce decree (if applicable)
• Bankruptcy and discharge papers if within the last 7 years (if applicable)
• Check payable to "Montana Credit Union" for appraisal fee (ask your lender for current amount)
• Current photo ID
• In addition to the required documents, you must be a member or eligible for membership with the credit union.