Financing

Financing Your New Home

MORTGAGE GUIDE:
Tips for meeting with a lender and local lender contact information.

The Essentials. Be sure to bring the following items:

Social Security Numbers/Cards
Driver’s License or State ID
Purchase Agreement & any Addendums
Payment for Credit Report, Application Fees, & Appraisal
Residence addresses for past two years
Name & Address of each employer
Pay Stubs for the last 30 consecutive days (include Gross Monthly Salary if not listed on stub)
Federal Income Tax Returns, Schedules, & W-2’s for the last two years

Have all of your Financial/Banking Information:

Names, Addresses, Account Numbers, Balance, & Amount due for Monthly Payments for all Open Loans, Credit Cards, etc.
Name & Address of Landlord or Mortgage payment book
Addresses & Loan information of other Real Estate owned
Checking & Savings Account Statements for the last three months
Statements for any 401K's, retirement accounts, IRA's, CD's, mutual funds, stocks, or other investments for the last three months
Estimated Value of Personal Property, Furniture, Etc. (Receipts may be helpful)

Additional Possibilities
Bring the following items if applicable:

Complete Divorce Decree with Separation Agreement
Bankruptcy papers including all schedules discharge
Certificate of Eligibility or DD214’s (V.A. only)
If Self-Employed, see your loan officer for requirements (you may need Tax Returns for the past two years, all schedules, & financial statements)

As a courtesy, we have compiled a list of area lenders. Click here.

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Click below to find out more:

* FHA Loans
* VA Loans
* First Time Home Buyers
* Making Home Ownership Affordable