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- Loan Process
There are several ways to start your mortgage process:
- If you are ready with your information you may complete a Full Application Form online and an Advisor will contact you once we receive your application.
- Fill out the online Loan Inquiry form if you are just starting your search and would like an Advisor to conact you with information.
- Call us and we will take your application over the phone.
- Download the Loan Application, complete it as best you can, then mail or fax it in.
A list of generic documentation requested is below; once you and your Advisor have talked they will provide you with a specific list for your situation. In the meantime you can start to round up documentation as that will help speed up the process.
o W-2’s for the previous two years
o Previous 2 years tax returns
o Most recent 2 paystubs
o Previous two years tax returns, including all schedules,
o YTD profit and loss statement.
o If you own rental property, provide recent rental agreements.
o Other income information, if applicable (child support, retirement, social
o Most recent two months of bank statements (include all pages front and back)
o Most recent two months statements of liquid assets (investment
portfolio: stocks, money market, 401K, SEP, etc.)
o If applicable, provide a copy of your divorce decree and settlement agreement.
o If you are not a US citizen, provide a copy of your green card (front and back)
If you are not a permanent resident provide a copy of your visa.
o If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and
Schedule of Creditors.
o If you are applying for a home equity line of credit or loan (second loan), also
include your first mortgage note. (This should be with your closing loan documents)