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Home Loan Guide - Gathering Information

• Home Loan Guide
• Credit
• Borrowing Amount
• Loan Information
• Further Assessment

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Before applying for a loan, make sure you have all information that you will need to apply for the loan. Common information that you will need to provide before and after the initial application include:

At initial application:

• Annual Income
• Social Security & Phone Number
• Name & Social Security Number of any Co-Applicants
• Property & Residence Address
• Previous Residence Address (for credit report)
• Estimated Value of Property

After Applying for the Loan:

• Proof of Employment & Income (a recent check stub)
• Income tax returns from the previous 2 years
• W-2 forms from the previous year
• A recent bank statement
• A copy of your most recent mortgage statement
• If applicable, a copy of the home purchase contract
• If you currently pay rent, you may need to supply the name & address of your landlord
• If you own other real estate, you may need the lease information, property tax & insurance documents
• If you have received a cash gift, you will need a copy of the check & the name of the giver
• If you receive social security, you will need a copy of the awards letter & a copy of a recent benefit check
• If you receive alimony or child support, you may need evidence of the income (canceled checks or bank statements)
• If you have had a bankruptcy in the past seven years, you will need a copy of the agreement & an explanation of the circumstances

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