Applying for a mortgage

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information needed for a mortgage application

Bank Accounts:

Checking, savings, CD’s, money markets, etc. Name of bank, complete

address, amount on deposit, full account numbers and copy of current statement.

Stocks and Securities:

Copies of stock certificates, bonds, and current statement showing

value if this interest income is to be used.

Charge Accounts:

Name of creditor, full account number, and amount of current

balance, complete street address if creditor is not local.

Installment Loans:

Auto, education, home improvement, personal loan, mortgage,

etc. Complete address of creditor, full account number, current

balance, amount of monthly payment, number of payments

remaining. Copies of promissory notes or recent statement of

coupon if creditor is not local. The above information is needed

is you are a co-signer on any loan or if you have had any

mortgages or home improvement loans in the past two years

that have been discharged.

Identification:

Social Security numbers, birth dates, green card for resident aliens,

FHA applicants also need Social Security card and picture ID

(driver’s license).

Income:

Current pay stub. Overtime, bonuses, commissions – two years

1040’s and W2’s. Alimony and/or child support – one year of

canceled checks. Permanent disability or Social Security income–

award letters and copies of current check. Rental income–

complete, signed income and expense statement – leases for all units.

Self-Employed:

Last two years of 1040’s, with all schedules, plus a year-to-date

Profit and Loss statement.

Divorce & Separation:

Any applicant who has been separated and/or divorced,

regardless of whether maintenance is paid or received must

supply full documents.

Relocation:

Letter on company letterhead stating what and how much

of the closing costs company will pay. Relocation agreement

needed if company is purchasing present home.

Fees:

Please bring to application cash or check sufficient to cover

credit report and appraisal. In addition, 1 point (1% of loan

amount) may be due at application.

Legal:

Please bring name and address of your attorney to the

application. Your attorney should be notified immediately

of the sale and mortgage application. The legal work

should be started now, not at commitment. Failure to do

so may jeopardize a timely closing of your loan.

Contract:

All lending institutes require an original contract of sale

(original signatures). Copies are not acceptable.

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