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Mortgage Lending

Buying a home has never been easier

Our goal is to make the mortgage loan application process an easy and stress-free experience. In order to provide loan costs pertaining to your request, you need only to provide the six pieces of information listed below. Once provided, a Loan Estimate Disclosure will be promptly delivered to you.


Information Needed

 
  1. Applicant Name(s)
  2. Applicant(s) Estimated Gross Monthly Income
  3. Social Security Number(s)
  4. Loan Amount Sought
  5. Estimated Value of Property
  6. Property Address (contract not required)

In addition, you can help by providing the documents listed below. These are standard documentation needed to process the majority of mortgage loans; however, additional information might apply in your particular case, Being prepared and having this information collected will help us process your loan application in a timely manner. None of the below information however, is necessary to provide you with the initial disclosures mentioned above.


Additional Information Needed

  • Copies of the most recent paystubs for borrower(s) that covers 30 days of earning,
  • Copies of last two year’s personal Federal Tax Returns (with all schedules),
  • Copies of last two year’s W-Zs or 1099 Form for borrower(s),
  • Copies of bank statements covering the most recent 60 days from each depository account (all pages),
  • Copy of driver’s license of all borrowers,
  • Purchase contract fully executed by all parties – once you receive it,
  • Copy of earnest money check and proof funds have cleared,
  • Homeowner’s Insurance information – agent’s name & phone number,
  • Closing Attorney information – name & contact information

  • Copy of executed Purchase Contract, Copy of Settlement Statement – after transaction is closed
  • Copies of most recent statement to verify stocks, bonds, retirement plans, etc.
  • Copies of last two years business Federal Tax Returns (with all schedules)
  • Copies of Social Security/retirement Awards Letter(s)
  • Letter of Explanation for credit inquiries, large deposits, address variance, etc.
  • Divorce Decree (Final – all pages)
  • Bankruptcy discharge papers
  • Copy of DD214
  • Certificate of Eligibility
  • Statement of Service – if active duty
  • Interest Rate ·Reduction Loan (IRRL) – proof of previous case number
  • Copy of Warranty Deed or Quit Claim Deed and Survey
  • Copy of current tax bill
  • Copy of current mortgage statement and note
  • If FHA Streamline Refinance – provide previous case number
  • Original contract signed and dated by borrower(s) AND builder
  • Full set of plans and specifications
  • Copy of Deed (on lot) if already owned
  • Copy of Offer to Purchase land
  • Copy of settlement statement for purchase of land






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