Home Improvement Loans

Please review the document checklist below and send the credit report fee and copies of the required documents to:

Attn: Jay Elmore
400 East Avenue
Rochester, NY 14607

For closing cost loans, contact Jay Elmore at (585) 340-3387 or jelmore@pathstone.org

Document Checklist (submit copies only)

  • Federal income tax returns (1040 forms) for two previous years. If you did not file or need duplicates, contact the IRS at (800) 829-1040 or http://www.irs.gov/individuals/get-transcript
    NOTE: NYS returns are not required
  • W2s from all employers for the previous two years
  • Year-to-date profit and loss statement (Self-employed only)
  • Pay stubs for the last 30 days for all working household members
  • Most current 3 months bank statements for all accounts. Must have your name, bank name, and account number on the statements.
  • SSI / SSD award letter from the previous year for you or anyone in the household (if applicable)
  • Complete copy of bankruptcy paperwork, including discharge (if applicable)
  • Divorce / separation agreement (if applicable)
  • Court order or copies of checks for child support (if applicable)
  • Copy of driver’s license or non-driver ID
  • Copy of marriage certificate (if applicable)
  • Credit report fee (check or money order in the amount of $12.82 for 1 person, 25.76 for 2 persons)
  • Application fee: $150.00
  • Copy of current mortgage statement and current deed (rehab loans only)
  • Current property tax bills (rehab loans only)
  • 3 estimates for rehab work
  • Copy of homeowner’s insurance policy (rehab only)

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