In order to expedite your loan application, please be prepared to provide the following documentation. (*if applicable)
--2 Years Employment History
--2 Years worth of home addresses
--2 Years W2's and/or Tax Returns
--Most recent (2 months if possible) statements for all checking, savings, retirement and brokerage accounts
TALK TO ME FIRST BEFORE YOU...
- Change Jobs Sometimes changing a job can create a real problem in qualifying for a loan especially if the job is in a different line of work.
- Switching Banks or Moving your Money Around This may negatively affect the verification process because of the difficulty of precisely tracking the money or verifying specific amounts.
- Pay-off Bills There are times when it's good and times when it's not good. I can advise you if and when to do it.
- Make any Major Purchases This can increase your monthly debt payment or decrease your deposits. Either of these may be good or bad.
Any of these four can greatly impact your ability to qualify for a mortgage. Therefore, it is critical to avoid doing them without consulting me. If you must change jobs, move money, pay off bills or make a major purchase (even if you've just been prequalified for a loan), please contact me. I can help you determine if such action will affect your ability to qualify for a loan.
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