First talk to your lender to
get pre-qualified...
Your lender will determine your
"Income to Debt" ratio...
Here is a general list of the items
you will need for this first visit with your lender:
* Social Security Numbers
* Addresses for the past two (2)
years
* Names and Addresses of all employers
for the past two (2) years
* W-2's for the past two (2) years
* Current YTD Pay Stubs
* Previous (3) three months checking
and savings account statements
* Names, Addresses, Account Numbers,
Balances and Monthly payments on all open loans
* Addresses and loan information
of other real estate owned
* Estimated value of Personal Property
and Furniture
* Certificate of eligibility or
DD214's (VA Only)
* Money for Credit Report and Appraisal
* Final purchase agreement(s) and
listing sheet
* Copy of Divorce Decree &
Bankruptcy papers if applicable
* If Self-employed: see your loan
officer for your requirements
LOCAL
LENDERS
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