Step 1: Gather all documents prior to Loan Application
- Residential Earnest Money Contract from Builder/Realtor
- Addresses of residences for last 2 years
- Employer names and addresses for last 2 years
- W-2′s and/or 1099′s for last 2 years
- Pay Stubs (include year-to-date) for last 30 days
- Verification of any additional sources of income
- Bank, credit union, and investment statements for last 3 months
- Personal tax returns for last 2 years (if self-employed or commissioned)
- Divorce Decree if receiving or paying child support
- Copy of Social Security Card and Driver’s License for all applicants
- Personal assets and liabilities information list
Step 2: Speak with Frank for pre-qualification
Step 3: We process your information and approve your loan
Step 4: You go to closing!
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