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Loan Application Checklist
In general, the documentation you will need includes:
Check for application fee
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).
Income & Assets
Pay stubs for the last 30 days.
For the past two years:
Names and addresses of each employer.
W-2s
Statements for each bank, mutual fund, and/or investment account for the last three months.
Estimated value of personal property and furniture.
If you have made any large deposits to your accounts:
Explanation and source for deposit.
If large deposit was a gift:
Signed gift letter (lender can supply).
Copy of gift check.
Copy of deposit receipt.
If you own more than 25% of a business:
Corporate or partnership tax returns.
If self-employed:
Tax returns for the last three years (with schedules).
Year-to-Date Profit and Loss Statement prepared by an accountant.
If you own rental property:
Tax returns for the last two years and current rental agreements.
If you are retired:
Pension Award Letter.
If you receive Social Security:
Social Security Award Letter.
If you are counting child support as income:
Copy of divorce settlement.
Copy of twelve months of cancelled child support checks.
Debts
Names, addresses, account numbers, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
VA Loans
Copy of DD Form 214, Report of Separation.
Miscellaneous
Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.
Real Estate Jacksonville NC
EXIT Realty Jacksonville is located in the heart of Jacksonville at 603 New Bridge Street, Jacksonville, NC 28540. Our Realtors serve all the Military, Navy, & Marines needs in and around Camp Lejeune as well as all the towns of Jacksonville, Swansboro, Richlands, Hubert, Sneads Ferry, Midway Park, Maple Hill, Holly Ridge, and the counties of Onslow and Pender. EXIT Realty Jacksonville is part of our 5 offices in the great Cape Fear Region; with over 100 agents we cover all the towns from Wilmington to Jacksonville. Our sister websites are www.realexit.com; www.exitrealtywilmington.com; www.exitrealtyburgaw.com; www.exitrealtynewbern.com; www.exitjax.com; www.pikecrossing.com; www.joinrealexit.com; www.exithomeplacerealty.com; At EXIT Realty we have All the Listings All the Time.
