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It is vital that you are well informed of the loan process that is ahead of you. Use our checklist to get a head start. Begin to organize the necessary documents for a quick and smooth loan process.
Here's a list of items needed to process your loan:
- Completed Uniform Residential Loan Application and Disclosures
- Income information that can be verified using the following:
- Copy of your most recent paystub showing at least one full month of Year to Date pay
- Personal tax returns & W-2s for the past two years
- If self-employed: Current Profit and Loss and balance sheet statements
- If Ownership in a Corporation or Partnership of 25% or more: 2 years tax returns with all schedules, current Profit & Loss and balance sheet
- Asset information that can be verified using the following:
- Two months bank statements on all bank and brokerage accounts
- Stock and retirement statements
- This additional information will be helpful in expediting your loan
- The name of your Homeowners Insurance Company
- Title Insurance Company preference, if any
- For Purchases: the Sales Contract and copy of canceled Earnest Money Check
- For Refinances: a copy of your current mortgage statement
... or you want to build. "Quick Start" will provide the construction and home mortgage.
Here's some additional information needed on your new home:- Set of house plans and cost breakdown
- Original construction contract, signed by all borrowers and contractor
- Contractor references
- Copy of settlement statement and title work from your lot purchase
Our job is to make this process as easy as possible for you. Call anytime you like. We are waiting to assist you with all of your mortgage needs.
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