Loan Application Checklist

In general, the documentation you will need includes:
Check for appraisal fee
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of  MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.
For the past two years:
 

Names, addresses, and phone #'s of each employer.

W-2s
Statements for each bank, mutual fund, and/or investment account for the last 2 months.
 
  If you have made any large deposits to your accounts:
 

Explanation and source for deposit.

 If large deposit was a gift:
 

Signed gift letter (Broker can supply).

 Copy of gift check.

 Copy of deposit receipt.
  If you own more than 25% of a business:
 

Corporate or partnership tax returns.
  If self-employed:
 

Tax returns for the last 2 years (with schedules).

  
  If you own rental property:
 

Tax returns for the last two years and current rental agreements.
  If you are retired:
 

Pension Award Letter.
  If you receive Social Security:
 

Social Security Award Letter.
  If you are counting child support as income:
 

Copy of divorce settlement.

 Copy of twelve months of cancelled child support checks(If possible)

Debts

Be familiar with your current bills
Explanation of credit report anomalies, including:
 

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.

 Bankruptcy filed within last 5 years (bring a copy of your bankruptcy papers).

 

Miscellaneous

Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.

 Ready to go?  Click Loan application on the home page of this site or complete the pre-appoval request information below.

 

Basic Pre-Approval

Get the Best Mortgage Rate!

Tell us a little about your current needs and we can use that
information to match you with just the right loan.
 
Tell us about your loan needs.
*Reason for loan (purch, refi, cash out):
*Value of property:
*Type of property:
*Amount you need to borrow:
Type of loan wanted (30 Yr, 15 Yr, ARM, Int. Only):

How can we get in touch with you?
*Name:
*Email:
Phone:
Address:
City:
*State:

Tell us about your credit history.
*Credit History (Excellent, Good, Average, Poor):

Note: Fields with an * are required


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