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Documents You Will Need To Take To A Mortgage Loan Application

Documents You Will Need To Take To A Mortgage Loan Application

Documents You Will Need To Take To A Mortgage Loan Application

Manassas Park home buyers: If you are looking to buy or refinance a home in Manassas Park or the Norhtern Virginia area here is a list of documents that you will need to provide to the loan officer. Being prepared is half the battle in the process of obtaining a mortgage and makes the process go a lot smoother and quicker.

_______ Copies of W-2 from the last 2 years

_______ Copies of your pay stubs for last 4 weeks

_______ Employer business address and phone number to verify employment

    ADDRESS_______________________________Phone # ______________

    ADDRESS______________________________  Phone # ______________

_______ Bank statements for last 2 months (all pages)

_______ Statements for Investment accounts for the last 2 months (all pages including the blank page)

_______ Statements for 401K, mutals funds, CD, savings … last 2 months (all pages including the blank page)
   
_______ Mortgage statement for 1st trust (if you are refinancing)

_______ Mortgage statement for 2nd trust or line of credit ( if applicable )

_______ Copy of your HOA statement

 HOA address__________________________________Phone # ____________

(so the bank can verify amount) If applies

_______ Copy of your driver license – front & back

_______ Copy of lease (for investment properties)

_______ Copy of mortgage statement for investment property (if applies)

_______ Copy of Homeowners Insurance policy (if refinancing) or One Year paid receipt

_______ Name & phone #  of the company for your  homeowners  insurance.

_______  VA Certificate of Eligibility ( if applicable )

_______ Divorce decree, separation  agreement, property settlement ( if applies)

_______ Copy of the contract if this is for a purchase.

Self Employed or Commission borrowers need to provide:

_______ Copy of 1099 and / or W-2

_______ Copy of Tax Return for 2 years

_______ Year to date Profit & Loss Statement

_______ Business License

**Statements need to have account #, your name and property address or primary home address***

Depending on your financial situation there may be additional Documents You Will Need To Take To A Mortgage Loan Applicationthat are required by the lender you are trying to obtain a mortgage with. Most lenders will also require that you you pay in advance for the credit report and appraisal fee.

Thanks for taking the time to read my blog. If you have a real estate question or a suggestion for a blog? Send me an email at Home4Sale@mris.com

Susan Jacobs-The Jacobs Team

PrinceWilliamExpert.com

Prudential Pen Fed Realty

Office:703-347-4418

2012 Winner "Best Real Estate Agent" in Patch's Readers' Choice competition!

Prince William Chamber of Commerce "Member of the Year 2011"

Your Prince William RealEstate Expert for 20+ years. Let us put our Expertise to work for YOU!

Licensed Real Estate Broker in the Commonwealth of Virginia.

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