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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