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Remember that you can go back and complete this application at any time, and can contact us for help and tips to submit the perfect application! Here’s a list of “pre-planning” mortgage moves to help you be ready.

Income:

• Be prepared to provide your last two paystubs along with your W2s.
• If you are self-employed, ask for the additional documentation requirements.
• If you receive bonus or commissions or have changed your job or position, let’s talk.

Assets:

• We can make things simple and automate review of your assets electronically.  To do so you will need to know your accounts log-in and password to enter into our secure portal.
• 2 months of traditional statements are also acceptable.  Make sure to upload ALL pages even if they are blank.
• Make sure to avoid large deposits and transferring funds.

Deposits:

• Make copies of checks and deposit slips to prove they are not borrowed money.
• Deposit checks individually.
• Don’t deposit cash without clear proof of the source.

Liquidation:

If you are going to sell stocks, bonds, investments or borrow against a retirement account, do it now. Cashing out now may cost you a few dollars in additional gains, but it also protects against losses and long turn times in processing your funds.

Current housing:

• If you have sold recently or will be selling a current residence, provide a copy of the Closing Disclosure/Settlement Statement.
• If you own and are not selling, you’ll need to qualify for both homes or meet the requirements for renting the current.
• If you are renting, you may need to show 12 months of canceled checks demonstrating timely payments and/or written verification from your management company.
• If you live with family, you may need a letter stating that you live rent-free.

Credit:

• Check your credit report at www.annualcreditreport.com.
• Identify any errors now and consult with us for the correct action to take.
• If you co-signed a loan or are being reimbursed for a loan that’s in your name, you’ll need at least six months of checks to exclude it.
• Avoid new credit or inquiries. These can lower your score and increase your rate.

Employment Stability:

• Ideally, you’ll have two years or more.
• Consult with us before changing employers, position or method of compensation. For example, don’t switch from salary to commissions.