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You can prepare for the application appointment by providing the following information:
- List of all previous addresses for the past 2 years
- Social Security Number(s)
- Divorce decree, if applicable
INCOME VERIFICATION
- W-2 forms for the previous 2 years
- Employment information for the previous two years including name, address, and phone number
- Copy of most recent pay stub(s) for one month
- Award letter for Social Security, and 1099 for disability income
- If rental income, commission, interest, or income other than salary, tax returns may be required
- If Child Support/Alimony a court printout showing 12 months
history
- If Self-Employed a signed completed tax return for the past 2 years, including personal, partnership and corporate if applicable and all schedules. Also, a Business profit and loss statement year-to-date for current year if more than three months have passed since the end of the tax year
ASSET/LIABILITY INFORMATION
- Copy of bank statements for the previous 2 months, including savings, checking and investment accounts
- Stock and securities account statements for the previous 2 months
- HUD settlement statement if using funds from the sale of property for down payment
- List of other assets including life insurance, retirement funds, automobiles, etc.
- List of all open credit accounts, i.e. charge accounts, open loans including account numbers, payment amounts and balances
- Account number, name and address of current mortgage holder or landlord
- List of all real estate owned including property address, market value, outstanding liens, rental income, mortgage payment, etc.
PROPERTY INFORMATION
- Signed purchase agreement including legal description
- If new construction - year land/lot acquired, original cost of land/lot, amount owed on land/lot, and a signed Contract
- If refinance - year property acquired, original cost of home, cost of improvements, amount owed on property, and description of improvements
An application deposit will be requested at time of application. This non-refundable deposit will be applied toward closing costs.
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