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A Copy of the Sales Contract on the homethat you are buying.
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A Check Payable to the Mortgage Company for a credit report and/or appraisal fee. When the loan is approved, this comes off the closing cost. If the loan IS not approved or the house does not appraise, this money is not refundable.
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Social Security Number for husband and wife.
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Checking Account Numbers, bank addresses.(Include children's checking/savings accounts, your name is on them).
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Savings Account Numbers, addresses of same, gift letter for any money received from
relatives to purchase home and placed in checking/savings account.
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Mutual Fund Account Numbers and addresses.
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Serial Numbers and Face Values of any U.S. Savings Bonds and other stocks.
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Copy of Current Thrift Plan, Provident Fund, or Retirement Benefits which your
company has. If not available, include addresses and account numbers. Include IRA
and/or Keogh data, where applicable.
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Credit Card References and account numbers.
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A List of Any Debts. Document the names of all creditors, their addresses, telephone
numbers, account numbers, monthly payments and balances.
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A List of Assets including insurance policies ( cash value ), cars and furniture ( and estimate of their value ).
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Name and Account Number of Credit Union.
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If Overtime is a Substantial Part of Gross , Income, provide W-2 forms for the last three years. Commission sales usually require W -2s from the last three years.
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If You're Self-employed, tax returns for the last three years will be required, plus profit and loss statements and balance sheets for the past three years, where applicable.
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If You're Getting a Veterans Administration Loan, your certificate of eligibility, if you have one, or a Statement of Service or discharge paper, if you don't.
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Name and Address of Employer(s) for the Last Five Years. Latest leave and earnings
statement or pay vouchers.
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If You Presently Own or Have Owned a Home in the Last Three Years, the name and
address of the mortgage company or lending institution, the mortgage loan number and
approximate balance.
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If You are Obtaining Your Equity From the Sale of a Previous Residence, a copy of your closing statement is required.
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If You are a Landlord, bring a copy of your tenant's lease with you to substantiate income derived. (If no lease is available, bring copies of checks, receipts, etc.).
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Any Divorce Papers and Property Settlements where property was involved in a
divorce. If alimony or child support is being used as income to qualify for a loan, provide
proof of amounts received.
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Any Bankruptcy Judgement Papers.
