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loan application checklist |
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This checklist will help you in gathering information necessary for processing your loan application. Having these documents will speed up the loan application process and the loan will be closed in the shortest amount of time possible.
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For all loan applications, you will need the following:
- Copy of your Purchase Contract, signed by all buyers and sellers.
- Original pay stub(s) covering the last 30 days (e.g., if paid twice per month, bring two pay stubs and continue to save your pay stubs until you close.
- Original W-2 forms and K-1s for the last two years.
- Original bank statements for the past three months, for all checking and savings accounts (continue to save your bank statements until you close).
- Name, address and phone number of landlord for the last 24 months, if you are currently renting or have rented in the past 24 months.
- Original 401(k) and IRA statements (most recent statement).
- If receiving retirement or social security, provide award letter.
- Original investment account statements for the past three months, if applicable (e.g., mutual fund accounts and/or annuities).
- A check for payment at application for an appraisal, credit report and survey.
- If you have graduated from high school or college during the last two years, please enclose a copy of your diploma and/or transcript.
- If during the past two years you have a gap in your employment of 30 days or more, include a letter explaining the reason for the gap.
- If you are selling your present home, provide us with a copy of your signed HUD-1 Settlement Statement showing the amount of proceeds. (If the sale of your home is not yet closed, provide us with a copy of a contract and Realtor's "Estimate of Proceeds."
- If you are receiving a "gift" for your part of a down payment, or to pay-off debts, do not deposit the gift funds until you visit with your Loan Officer.
- If you are being relocated by your employer, please provide a copy of your company's relocation policy/offer.
- If you are applying for a "First Time Home Buyer" program, bring a complete copy of your last three years of Federal Tax Returns. (Please sign in blue ink.)
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Whether you wish to sell a home or whether you want to buy a home at Bodega Bay, Dillon Beach, Jenner,Santa Rosa or Sebastapol at the Sonoma & Marin County Areas of coastal California, realtor and Accredited Buyers Representative, Deborah Melancon will be glad to help you. With wide rural views and the ocean in the distance with our featured properties, you just can't go wrong.
Whether you are looking out for a very private and secluded yet easily accessible luxury home, a single family unit, a condo or a loft, I, at Creative Property Services Coastal Properties will find homes that are just right for you.
Worried about relocation, fixing the right price for your home, closing a deal, inspections and certificates? I will be with you and guide you every step of the way. All you need to do is contact me and I will be happy to assist you.
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