• Applying for a Mortgage

    • You've done your research and identified how much can you afford to spend on a home with our affordability calculator. You've got an idea of the kind of loan you'd like to use. Now it's time to gather your documents and get ready to apply. You'll need:
    • Proof of income

      • List of your employers for the past 2 years
      • Pay stubs for the past 2-3 months
      • W-2 statements
      • Tax returns for the past 2 years
      • Self-employed individuals will need to provide additional documentation, prepared and signed by an accountant
    • Proof of assets

      • Bank account statements from the past 3 months
      • Security accounts (stocks, bonds, life insurance)
      • List of all property owned
    • A complete accounting of debts

      • Statements for existing loans, including car loans, student loans and lines of credit
      • Your current mortgage statement
      • Credit card accounts
      • 401K accounts
    • Proof of insurance

      • Homeowner's insurance
      • Title insurance
    • Personal information and background

      • Social security number
      • Prior 3 years residential addresses including dates
      • State identification card or your State Driver’s License
    • Documents for special circumstances

      • Disability or Social Security income
      • Pension income
      • Veteran's Certificate of Eligibility
    • Apply online, in person or over the phone