8 Questions You Must Ask When Applying for a Mortgage
Insider Secrets on How to Lower Your Interest Rate
Request an Estimate of Closing Costs
8 Mistakes Borrowers Make When Applying for a Mortgage
How Does the Debt-to-Income Ratio Work?
Loan Checklist
We have provided a Loan Documentation Checklist to help you get started.
Many borrowers qualify for Limited Documentation Programs, to find out if you are eligible please feel free to contact one of our Loan Specialist Toll Free at 1-800-752-5116.
ESTIMATED NET PROCEEDS FROM PROPERTY UNDER CONTRACT OR PENDING SALE (HUD-1/SETTLEMENT STATEMENT ONCE SALE IS COMPLETE)
INSURANCE DECLARATIONS PAGE or NAME AND PHONE NUMBER OF INSURANCE AGENT
FEDERAL TAX RETURNS FOR THE PREVIOUS 2 YEARS (IF SELF EMPLOYED OR COMMISSION INCOME/OVERTIME ARE USED TO QUALIFY)
COMPLETE COPY OF BANKRUPTCY PAPERS INCLUDING DISCHARGE AND DEBTORS MATRIX
DIVORCE DECREE AND SEPARATION AGREEMENT
PROOF OF CHILD SUPPORT
LEASE AGREEMENTS ON RENTAL PROPERTIES
NEW "PATRIOT'S ACT" DISCLOSURE REQUIRES BORROWERS TO SUBMIT A COPY OF THEIR STATE ISSUED DRIVERS LICENSE, ID CARD, OR MILITARY ID CARD.
IN ADDITION, A COPY OF SOCIAL SECURITY CARDS ARE REQUIRED FOR CLIENTS THAT DO NOT RECEIVE W-2'S.
LETTER OF EXPLANATION FOR ANY GAPS IN EMPLOYMENT LONGER THAN 30 DAYS
VA LOANS REQUIRE- CERTIFICATE OF ELIGIBILITY AND DD214
FOR REFINANCES--PLEASE PROVIDE YOUR ORIGINAL OWNERS TITLE POLICY, THIS WILL ALLOW YOU TO RECEIVE DISCOUNTED RATES ON TITLE INSURANCE.
SURVEY
HOMEOWNERS/CONDO ASSOCIATION CONTACT INFORMATION