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The Perfect Home Loan Application

Arranging a Mortgage for the home you want used to mean weeks of unnecessary frustration and annoyance. Now we’ve made it simple and efcient for you by starting your loan application early in your Home Buying process.

Here's how it works

Gather Information Now

When you submit your application, we will provide you a Loan Estimate and other loan disclosures. You are not required to verify any information in order to receive the Loan Estimate, but we may be able to provide you a more accurate estimate of your fees and options if we better understand your situation. Below is a list of supporting documentation that may be needed to obtain final loan approval. You may provide this documentation at any time prior to receiving the Loan Estimate and other disclosures, but we will need the information promptly once you decide to proceed with working with us as this will help us to avoid delays in completing your mortgage loan.

Your Employments and Income Information

  • 2 years employment history including job titles, dates of employment, employer’s address and phone numbers.
  • Letter of explanation of any changes in employment over the past 2 years.
  • Pay stubs for the most recent 30 days.
  • Copies of W-2s for last 2 years.
  • Copies of federal, personal and business tax returns for previous 2 tax years, including all W-2s, 1099s, K1’s and all schedules. If filing an extension, please provide extension.

Your Residence Information

  • 2 years residence history including addresses, dates, and phone number for landlord if renting.
  • If you currently own a home, please provide the most-recent mortgage statement.
  • Name and phone number of your homeowners’ insurance agent.

Bank and Other Statements

  • Most recent 2 months or quarterly bank statements for all checking, savings, and investment accounts (all pages even if blank).
  • Most recent 2 month’s or quarterly 401K/ statements (all pages even if blank).
  • Copy of earnest money check when it clears your bank account, along with most-recent bank statement showing the check clearing.
  • Non-payroll deposits - we will need to verify the source and receive explanations for non-payroll deposits to your accounts, including any transfers between accounts. Please make a copy of any check you deposit.

If Applicable, These Items May Be Needed

  • Complete divorce decree and/or separation papers.
  • Alimony/Child Support income: proof of receipt may be required.
  • Bankruptcy discharge papers (including filings, discharge, and list of creditors). If receiving Retirement or Social Security Income.
  • Award letter and proof of receipt may be required.
  • Gifts: If any portion of your down payment or closing costs is coming in the form of a gift please CALL ME because the documentation required for gifts is fairly comprehensive.
  • Once we pull your credit, we may need a signed letter of explanation and/or documentation for any inquiries and/or derogatory credit.
  • VA loan: DD214 and Certificate of Eligibility.

How to Submit the Documentation

You can easily fax this documentation, or you may upload the scanned documents to my secure website. Just call or email me and I will send you an ID and Password for my website with instructions.