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Your Mortgage Appointment

What will you need?

  • Fully executed sales contract with all addenda.
    A copy of the multiple listing agreement and the house location survey,
    if possible.

  • Current month’s pay stubs (2 most recent if paid bi-weekly or twice per month) and all W-2s for the past two years.

  • Copies of bank statements covering three most recent months of activity on all checking and savings accounts, mutual funds, IRAs, 401K plan, CDs etc.

  • If using stocks or savings bonds as source of down payment, provide most recent statement or a copy of the security.

  • If relying on non-employment income (e.g., retirement, interest, rent, etc.), two years complete Federal tax returns.

  • If commissioned, two years complete federal tax returns.

  • If self-employed, two years complete Federal tax returns, year-to-date profit / loss statement and a current balance sheet.

  • Copy of car title if the car is less than five years old and owned free and clear.

  • Certificate of Eligibility (VA loans only).

  • Driver’s license and social security (FHA loans only).

  • If selling your present home, provide copy of listing agreement and sales contract (if available).  If you have already sold your home, we need a copy of the HUD-1 Settlement Statement.

  • Condo documents if property is a condo.

  • If divorced or separated, a copy of separation agreement and divorce decree.

  • If you own rental property, copies of leases.

  • If renting, name, address, phone number of landlord.

  • Check to pay for appraisal and credit report (fees vary depending upon loan type and number of borrowers – you can call ahead for the figures)

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