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Applying for a Loan

You will need to provide the following documentation:

Income:

  • Last two years of W-2’s
  • Last two years of tax returns
  • Most recent 30-60 days of paystubs
  • Verification of year-to-date income
  • Contact name, phone and email to verify employment
  • Please confirm how your company verifies employment.
  • If using www.theworknumber.com please provide company code and salary key (obtained from your employer).

Assets:

  • Last two months of bank statements (including ALL checking, savings, IRS, 401K, investment accounts, etc.)
  • Be sure to provide ALL pages, even the blank ones, from EVERY account.
  • If the statements are printed off the Internet, make sure that the printout shows names AND account numbers.

Miscellaneous:

  • Copy of driver license – front and back
  • Copy of social security card
  • Copy of front and back of your green card – if not a U.S. citizen
  • Divorce decree, or child support order – if needed
  • Application check – check with your loan officer for amount

Application Fee:

  • You will be required to pay this at the time of application.
  • This fee varies with each lending institution.
  • It may or may not include the costs of the appraisal and credit report.
  • Be sure to have the lender specify, in writing, exactly what the fee covers and if it is or is not refundable.  

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The Lending Process

The Lending Process

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