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425.com's HOME MORTGAGE APPLICATION CHECKLIST
To process your loan application as quickly as possible, you'll need to provide the following information as applicable. Once you've gathered all the necessary information, contact an Mortgage Online at 425.com Mortgage Representative to schedule a personal appointment at your convenience or apply online.
- Your social security number(s).
- The address(es) of your residence(s) of the past two years, plus the names and addresses of any landlords during that time.
- An online credit report.
- For "full documentation" loans only: Paycheck stubs from the last 30 days that show year-to-date earnings.
- Original W-2 forms for the past two years. If you are self-employed, earn commissions, overtime, or bonuses totaling over 25% of income, please provide personal and/or corporate tax returns from the past two years. A current profit and loss statement and balance sheet are needed for self-employed individuals.
- The names and addresses of all employers for the past two years.
- Original bank statements from the most recent two months for all checking and savings accounts.
- Statements from the past two months for CDs, IRAs, stocks, bonds and other securities, if you intend to use any for downpayment.
- A list of all monthly debts (auto loans, student loans, mortgage loans, credit cards, etc.), creditor's names, addresses, your account numbers, minimum monthly payment amounts and balance due on each account.
- Information on any real estate you already own, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment.
- If your offer has been accepted, the phone number and address of the listing and selling agents (or seller's attorney if no real estate agent is involved); a signed purchase contract on the home you wish to buy, plus any amendments or counteroffers; and the receipts for earnest money or downpayment amounts.
- Insurance Information: Name and phone number of your homeowner's insurance
agent.
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