Lending Process

To make your closing a truly seamless and hassle free experience we can assist in answering questions associated with pre-qualification, introduce you to affiliate appraisal, title and homeowners insurance companies, and offer suggestions for lenders who may work for you. For reference, here are some brief checklists of what you will need for loan application and closing of your loan:

• Loan Application Checklist
  
  - Original W-2 (2 years) and current month's paystubs.
  - Last 12 month's mortgage or rental history (cancelled checks).
  - Employment addresses (2 year history).
  - Bank Statements (Last 3 months)
  - Loans: Lender name, address, account number and balance.
  - Real Estate owned: Addresses, value and loan information
  - Self-Employed: Two year's tax returns and YTD P&L
  - Tax returns if bonus, commission or overtime income
  - Social security numbers
  - Checkbook or Visa/MC for required fees
  - FHA: Driver's license or other photo ID
  - VA: Certificate of eligibility
  
  
• On Loan Closing
  
  -Bring your checkbook for any incidental costs
  -Bring a certified check for closing/settlement cost