Are You About to Take the Biggest Financial Step of Your Life?
Your home loan is likely the single largest financial commitment you'll ever make. Cars, boats, not even the cost of a college education have as much impact on you as the act of buying a home.
So how can you be sure you're getting the right loan for your financial future?
That's where I can help you. Because we have access to so many loan programs, you don't have to force yourself into a one-size-fits-all bank mortgage. And if you care about the community you plan to live in, you'll love working with me. I deliver "Advice With Purpose," focused on serving your needs while also acting as responsible local and global citizens.
You can help expedite the processing and closing of your loan by organizing your financial information before we meet (either on-line or in person). In most cases, I will only need copies of the original document.
Address and telephone numbers of each borrower
Previous address if less than two years at current address
Social Security number of each applicant
If you pay alimony or child support, a copy of your divorce or legal separation agreements. Similarly, if you are receiving alimony or child support, you will need to provide these documents.
For FHA loans, a copy of your driver's license.
For VA loans, your Certificate of Eligibility or DD214 (Discharge Papers).
Name and address of employer(s) for the past two years
Pay stub(s) for the last 30 days showing year-to-date and current period earnings. If you have additional income, you may need documentation for accuracy.
If you are self employed, your last two years' business and personal tax returns.
Complete Bankruptcy papers.
Checking and savings account statements for the past two or three months
Most recent brokerage account statement for the past three months, or copies of stock certificates and/or savings bonds
If you have a second mortgage or line of credit, provide a copy of your note/credit line agreement or security instrument outlining the terms of the loan.
Copy of the sales contract and all addenda
Copies of your mortgage payment book or statement, homeowners' insurance papers and the deed and survey for your home.