Are You Ready?  
   
Please Read To Ensure  
You Have All The  
Necessary Documents  
Required To Close Your  
Loan
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 

The Mortgage Checklist Contains All The Documents Needed To Bring To Your Loan Application And The Documents To Close Your Loan.

Feel Free To Print This List For Future Reference
 

Documents And Items That Will Help Us In Processing Your Loan Application Quickly

Documents That Will Be Necessary For Your Loan Closing.  Please Bring The  Items To Closing

Signed Sales Contract

Cancelled Earnest Money Check (Front & Back)

Landlord Information (Name, Address, And Phone Number (For Last 2 Years)

Pay-Stubs (Covering Most Recent 30 Day Period)

W-2 Forms For Last 2 Years

Federal Income Tax Returns For Last 2 Years (All Schedules)

Year-To-Date Profit And Loss Statement Corporate Tax Returns For Last 2 Years

Letter Explaining Any Gaps In Employment In Last 2 Years

Last 3 Months Most Recent Bank Statements (All Pages)

Stock, Mutual Fund, Ira, 401(K) Statements

Proof Of Source Of Large Increase And/Or Deposit In Bank Account

Print Out From Bank Showing Activity And Balance From Last Statement - Signed By Bank And On Letterhead Or Stamped By Teller

Source Of Funds Letter For Any New Bank Accounts Opened In Last 90 Days

Gift Letter, Copy Of Gift Check, Proof Gift Check Cleared Donors Account

Loan Information (Account Number, Payment And Balance)
For The Following Creditors

Sales Contract On Current Residence

Lease On Rental Property

Hud-1 Settlement Statement From Sale Of Property

Relocation Agreement

Divorce Decree And Property Settlement Agreement (Recorded)

Alimony/Child Support (Proof Of Receipt For Last 12 Months If Using For Qualifying Income)

Copy Of Drivers License

Diploma And/Or School Transcript
 

Certified Funds. You Will Be Required   To Have Certified Funds For The Closing.

Your Loan Originator Will Be Able To Give You An Estimate Of The Money Needed.

However, As The Closing Attorney Prepares The Closing Statement, You Will Need To Obtain The Final Figure From The Lawyer's Office.

Hazard Insurance Policy.

You Will Need To Take The Actual Policy To The Closing Table Along With A Paid Receipt For The First Year's Premium.

The Dwelling Coverage Must At Least Cover The Loan Amount.

For A Condominium, A Certificate Of Insurance Will Be Required.

Your Seller Can Assist You With This.

Termite Inspection.

A Certificate Dated Within The Last 60 Days Will Be Required Stating That The Property Is Free And Clear Of Infestation From All Wood Boring Insects.

Unless Your Transaction Is A Refinance, The Seller Normally Provides This Documentation.

Septic Tank Certification.

If Your Property Has A Septic Tank, We Will Need A Certification From The County Health Department Dated Within The Last 60 Days Stating That It Is In Good Working Order.

Unless This Is A Refinance, The Seller Normally Supplies This Information.

All Underwriting Conditions Of Your Loan Approval Will Need To Be Given To The Loan Officer Or Loan Processor 24 Hours Prior To Your Attending The Closing.

Your Prompt Attention To These Conditions Will Be Greatly Appreciated And Will Therefore Prevent A Delay In Your Closing.
   

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