What information will be needed for the application (and how it's kept private)

Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the documents we will need to complete the loan process:

IMPORTANT-PLEASE SUMBIT WITH ALL APPLICATIONS

This is a list of documents most lenders will require in order to process your mortgage application.

Verification of income

  • Earnings statements: W-2 forms, recent pay stubs and tax returns for the past two years;
  • If you are self-employed: profit and loss statements and tax returns for current year and previous two years;
  • Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on.

Verification of your assets

  • List of bank account numbers, the address of your bank branch, checking and savings account statements for the previous 2-3 months;
  • List of savings bonds, stocks or investments and their approximate market values;

Information about the purchase

  • Copy of the ratified purchase contract;
  • If you made a deposit to the seller to show that you are serious about buying the house, include a copy of canceled deposit check on house.

If a source of your down payment is a gift
  • Name, address and relationship of donor.
    Gift funds will be verified in both the donor and recipient's accounts.
    Note: Not all loan programs allow gifts to be part of your down payment.

For Construction/Perm Loan

  • Signed construction with cost breakdown, builder plan and specifications

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