Mortgage Qualification

Can you obtain a mortgage to buy?  Don’t keep wondering.  Contact a mortgage loan officer and allow them to qualify you for a home mortgage.  You may be surprised at the options you may have!

After setting your appointment to meet with a lender, gather the following items to take with you that will be helpful in your loan qualification.

Be prepared to pay for a credit report to be obtained by the lender – this could be approximately $35-100. 

 1.  Copies of your last 30 days pay stubs.

2.  Copies of your last two (2) years of W2s.

3.  Copies of your last two (2) months bank statements and/or asset accounts.

4. Drivers License and/or Social Security card.

5.  Copy of your signed divorce decree/property settlement agreement if applicable

6.  Copy of complete Bankruptcy papers along with discharge letter, if applicable

7.  Copies of the last 12 months of cancelled checks or last 12 months bank statements with deposits highlighted, if you are claining Child Support and/or alimony payments.

8.  VA loan applicants will need a copy of your DD214-eligibility certificate

9.  Name, address and phone number for your current Landlord.

These items will be necesssary when applying for the loan, and having them all at this point can alleviate any surprises as you go through the process.