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We want lenders to compete for your business and provide the best loan to you.
First and foremost, any information that you submit either in person, fax or email is 100% secured. Furthermore, mortgage lenders are bound (by federal law) to keep your information secure. Our goal is to convince these lenders to loan you money by sharing your information with them. We value your privacy and discretion is a top priority.
 

From the Mortgage Lenders perspective, here is a list of information needed to consider your loan:

Social Security Number
For Borrower and Co-Borrower.

Current Pay Stubs and W-2 forms along with Employment History over the Past 2 Years
To include employment dates, addresses and salary.

Last 3 month's balances of all Checking/Saving Accounts
To include bank account locations, account numbers, balances and Certificate of Deposits.

Last 3 month's Statements or Copies of Certificates for Stocks, Bonds and Investment Accounts
To include broker's name/address and description of stocks bonds, etc.

Current Statement of Retirement Plan
To include approximate vested interest value.

Liabilities and Other Non Mortgage-Dept
To include creditors name, addresses, account numbers, monthly payments and balances.

For other scenarios, here is a list of additional information:

Self Employed

  • 2 years tax return (to include profit/loss statement for both company and personal).
  • Current Balance Sheet/Profit/Loss Statement (if more than two months into new fiscal year - must be signed by CPA).
  • 2 years personal federal tax returns (if received income from commission; overtime; bonus; partnership; rental property; trust; notes receivable; interest/dividends).

Family Business Employment

  • 2 years tax return (to include profit/loss statement for both company and personal).

Divorced or Separated

  • Complete executed divorce decree and settlement agreement.
  • Payment history of alimony/child support over the past 12 months (if a financial obligation) - unless you have chosen to have this be considered as part of your income.