By
combining Internet use with advanced processing
software and automated underwriting systems, we
have efficiently reduced both the cost and approval
time of your loan.
We
know Real Estate financing can be a stressful time
whether it's a refinance or a purchase. We hope
to make this transaction as easy and pleasant as
possible for you.
Click
here to contact one of your
mortgage
consultants.
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Please supply all of the items below that
apply
to you and / or your partner.
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Income
Items:
-
Recent paystubs from your employer showing year-to-date
earnings and pay period.
- Name
and mailing address of prior employer (if at current employer
for less than 2 years).
-
Signed and dated copies of your Federal Tax Returns (include
all schedules)
for the previous two years.
- Year-to
date Profit and Loss Statements signed by you and your
Account
(self-emlopyed borrowers only).
- W-2
forms for the previous two years to match your Federal
Tax Returns.
- Corporate/Partnership
Tax Returns with the original signature & Partnership
Agreements.
- Rental/Lease
Agreements.
- Copy
of Notes due to you.
- Verification
of Investment Accounts and Retirement Statements (401K,
IRA, etc.)
- Divorce
Decree
- Separation
Papers
- Copy
of bankruptcy petition, discharge and a written explanation.
- Three
months bank statements on all accounts.
Credit
Items:
- Name
and address of all present mortgage holders or land contract
holders (1st, 2nd, 3rd etc. positions).
- Name
and address of Landlord and 12 month rental payment history.
Rental payment receipts and or copies of canceled checks
providing payments are acceptable.
- Copy
of original Purchase contract or Escrow papers.
- Closing
Statement from sale of present property.
- Gift
Letter - Must include amount, relationship of donor, no
repayment required and verification from the donor of
the ability to gift those funds.
- Construction/Permanent
Loan - Signed construction contract with cost breakdown,
builder plans and paid receipts.
- Name
of Listing and Selling Agent
- Name,
address and telephone number of Insurance Agent
- Copy
of Valid Photo I.D., ie. Drivers License, Passport, Alien
Status Card, etc.
-
Name, address and telephone number of Homeowners Association
(if property is a Condominium or PUD).
- Please
do not make any purchases (i.e. a car, furniture on credit)
that may increase your debt, or apply for any credit cards
during your transaction. Both may effect your credit score.
Loan
Application
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Should
you have any questions regarding the above requested items,
please do
not hesitate to contact our office
for further assistance.
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