To speed up the process of making your mortgage loan application please make sure you have all of the following information. Incomplete information will delay process and could even delay your purchase.

1. A copy of the Sales Contract on the home that you're buying.

2. A check for $______, payable to the mortgage company for your credit report and/or appraisal fee. When the loan is approved, this is credited toward your closing costs. When the loan is approved, this is credited toward your closing costs. If for some reason the loan is not approved or the house does not appraise, this money will not be some reason the loan is not approved or the house does not appraise, this money will not be refunded to you.

3. Social Security numbers for husband and wife, or each purchaser.

4. Savings account numbers, addresses, and balances. Gift letter for any monies received relatives to purchase home and placed in checking/savings account.

5. Mutual Fund account numbers, addresses, and balances.

6. Serial numbers and face values of any U.S. Savings Bonds and other stocks.

7. A list of account numbers for all checking, savings, and credit union accounts. Please have the current balance of each account as well as the complete address.

8. Credit card account numbers, balances, and monthly payments.

9. A list of any debts you have. Include the name of the creditor, address, telephone number, account number, the monthly payment, and current balance.

10. A list of assets, including insurance policies (cash value), cars, and furniture (and an estimate of their value).

11. Name(s) and address(s) of employer(s) for the last five years. Latest earnings statement or pay vouchers.

12. If overtime is a substantial part of gross income, provide W-2 forms for the last three years. Commission sales usually require three years' W-2s.

13. If you are self-employed, tax returns for yourself and your business for the last two or three years will be required, plus profit and loss statements and balance sheets.

14. If you are getting a Veterans Administration loan, your certificate of eligibility if you have one or a Statement of Service or Discharge Papers if you don't.

15. Name and account number of Credit Union and balance.

16. If you presently own or have owned a home in the last three years, the name and address of the mortgage company or lending institution, the loan number, and balance.

17. If you are obtaining your equity from the sale of your previous residence, a copy of your closing
statement is required.

18. If you are a landlord, bring a copy of your tenant's lease with you to substantiate income derived. (If no lease is available, bring copies of checks, receipts, etc.)

19. Any divorce papers and property settlements where property was involved in a divorce. If alimony or child support is being used as income to qualify for a loan, provide proof of amounts received.

20. If you or your co-applicant are receiving or are obliged to pay alimony, child support, or separate maintenance, bring a copy of your divorce decree and/or agreement.

21. Information on any retirement benefits which you or your company have. Provide addresses. Also include all IRA and/or Keogh data.

22. Any bankruptcy judgment papers.

If you need further explanation or have questions about your unique circumstances, please contact me,

History is the best way to help you secure your mortgage in the quickest amount of time.If you need further explanation or have questions about your unique circumstances, please contact me,