Mortgage Checklist

Your efforts to provide us with the following items will result in a faster processing time and make the process easier for you.

General Information

• Loan application fully completed and signed
• Copy of ratified contract of sale (for purchase of new home)
• Current mortgage statement and most recent tax bill (for refinance of existing home)
• Last two years residence history 

 Income/Employment History

• W-2s for previous two years
• Two most recent pay stubs
• If self-employed, two years’ federal tax returns and year-to-date profit and loss statement
• Rental agreements, fully executed, if you own rental properties

Assets/Liabilities

• Copies of two most recent months' bank statements including money markets, mutual fund accounts, retirement accounts, life insurance etc…

Other Documents as Applicable 

• Separation Agreement
• Divorce decree stating financial terms
• Verification of child support and/or alimony if using as income. Please provide 12 months of history

Additional Items Needed for Construction-Permanent Loans

• Complete set of plans and specifications
• Ratified contract with the builder
• Ratified contract for lot purchase, or copy of deed if land is already owned

To learn more about what type of mortgage is best for you, send us an e-mail or call us at 410-224-4455 or 800-582-2651.  We'll be happy to meet with you, discuss your options, and walk you through the process.