Are you ready to buy a home?  Get armed with the knowledge you need!  Do you know about credit score requirements? Are you familiar with all the new lending rules and regulations?  There have been a lot of changes in lending over the last 7 years.   We have knowledgeable loan experts ready to discuss the home buy process with you.  Call us today to find out what you can get pre-approved for.

Here is a checklist of items needed to get a loan approval to buy a home:

Copies of Photo Identification (Driver’s license, passport, etc.)

Copies of Social Security Cards

Copies of last two months bank statements for all accounts (all pages)

The most recent 2 years of 1099’s or W2’s

Verification of any other income (Social Security, Disability, etc.)

Copy of complete last 2 years Tax Returns (1040)

Most recent copies of any asset reserve statements (401K, IRA’s, stocks & bonds, etc.)

Borrowers Certification and Authorization Form

Credit Report Authorization Form

Mortgage statement, property tax statement and insurance declaration pages for all properties owned (if applicable)

 

Once you have all the items need to get a loan approval make sure you Call us today to get a quote on the lowest mortgage rates available