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Help Your Loan Approval

Loan Application checklist:

What your lending institution may expect when making your loan application

·         Executed sales contract on property being purchased

·         Plot survey

·         If you have been a full time student for the past two years, provide a copy of your school transcripts or diploma.

·         If you are self employed, commissioned or using rental income to qualify, provide complete and signed personal and business tax returns for the past two years.

·         Year-to-date signed profit and loss , if self employed

·         Copy of rental or lease agreements on all rental properties owned.

·         Three most recent pay stubs from employer with year-to-date for each borrower

·         Copy of the last three statements on all asset accounts, banks, stocks, etc.

·         Copy of loan payment coupons

·         Copy of last charge account statements with balances, names, addresses and account numbers

·         Copy of divorce or separation agreement in full when declaring income or debt from such agreement

·         Names, addresses and account numbers for any mortgage company or landlord for previous two years

·         Names and phone numbers of both listing and selling agents

·         Copy of listing and/or contract on any properties currently for sale

 

Purchasers applying for a VA loan also should provide the following information:
Original certificate of eligibility-from VA
Copy of separation papers-VA from DD214 Statement of service-from commanding officer Copy of transfer orders, if applicable

 

Finally, bring a checkbook to pay for your credit report and appraisal fees, which are usually collected at application.

 

 

Welcome to your new home!

 

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