Necessary Paperwork:
Obtaining a mortgage can be a very tedious process. To help smooth things along, be sure to have the necessary paperwork available before applying. This will generally include:
Obtaining a mortgage can be a very tedious process. To help smooth things along, be sure to have the necessary paperwork available before applying. This will generally include:
- Federal tax returns from the previous two years
- W-2 forms from the previous two years
- Recent paycheck stubs
- The name and address of your employer, as well as your year-to-date earnings
- Documents to show other sources of income, which might include a second job, overtime, commissions and bonuses, interest and dividend income, Social Security payments, VA and retirement funds, alimony, child support, etc...
- A complete list of your creditors, such as credit cards, student loans, car payments, etc...along with minimum monthly payments and the balances for each
- Investment records including mutual fund statements, real estate and automobile titles, stock certificates and any other investments or assets
- Canceled checks showing your rent payments or current mortgage payments if you already own a home.
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