The first step towards homeownership is qualifying for a home loan. The type of loan, the amount you qualify for, and your monthly payment are all important factors when choosing the right home for you. Contact one of our real estate professionals for a list of reputable lenders in your area.

The following is usually required during the loan process:

  • Social Security Card (both borrowers)
  • Copy of Driver's license (both borrowers)
  • Current pay stubs covering 60 days (showing YTD earnings, name and SS number)
  • Last 2 years of W-2s
  • If self-employed, your tax returns for the past two years
  • Transcript or Diploma (if you were a student in the last two years)
  • Award Letter & most recent check (if you receive SS, retirement or disability income)
  • 2 year Residence History (if renting, Landlord's name and phone number)
  • Bank statements for the past two months
  • Investment and/or retirement account statements for the past two months
  • Divorce Decree (if you pay/receive child support or alimony)
  • Credit card, auto loan and personal loan account information
  • Relocation Agreement if applicable
  • Bankruptcy and Discharge papers if applicable
  • VA loan - Original Certificate of Eligibility and DD214 

If you currently own Real Estate:

  • Mortgage account information
  • Home insurance policy information
  • Copy of Sales Contract & Settlement Statement
  • (when available, if you are selling your present home )