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Applying for a mortgage?  What does the processor need?

Get ready and make the process simple

 

To apply for a mortgage, you must be ready!  We checked with our mortgage partners in Rock Hill and Fort Mill to learn what documents are expected.  In order for a Loan Officer to submit an application, the following documents or information must be provided:

 

·         Addresses

            Landlord’s name and address or lender and loan number for the past two years

 

·         Income and assets

Name, address, and phone number for each employer for the past two years

Gross monthly salary, a Year to Date pay advice, and the past two years W2’s

Checking, retirement and savings account numbers-last two months statements

            If self employed, SIGNED tax return including all schedules for the past two years

            If commission, interest or bonus income, SIGNED tax return including all schedules for the past two years

 

·         Debt

            Name, address, and account numbers, balance and monthly statements on ALL outstanding loans and credit cards

 

·         Real Estate

            Loan information, market value, and addresses on each property owned

            Copy of leases for any rental property

 

·         Other

            Completed and signed sales contract

            Fees for appraisal, credit report and Flood Certification

            Veterans DD214 and Certificate of Eligibility

            FHA Picture Id and Social Security Card

 

The real estate agents at Homes in the Piedmont are ready to help with all your home buying needs.  We work with a number of excellent loan officers who offer a variety of loan options.  Whether you plan to purchase in Indian Land, Fort Mill, or Rock Hill, we can help.

Elaine Whitton Davis
Elaine Whitton Davis
Your York County SC Real Estate Experts