Loan Application Checklist In general, the documentation you will need includes: Check for application fee Property Information (if you already have a contract on a house) Purchase Agreement. Copy of legal description and MLS sheet. If you are selling your current home, copy of listing contract. If you have sold your current home, copy of settlement statement (HUD-1). Income & Assets Pay stubs for the last 30 days. For the past two years:   Names and addresses of each employer. W-2s Statements for each bank, mutual fund, and/or investment account for the last three months. Estimated value of personal property and furniture.   If you have made any large deposits to your accounts:   Explanation and source for deposit. If large deposit was a gift:   Signed gift letter (lender can supply). Copy of gift check. Copy of deposit receipt.   If you own more than 25% of a business:   Corporate or partnership tax returns.   If self-employed:   Tax returns for the last three years (with schedules). Year-to-Date Profit and Loss Statement prepared by an accountant.   If you own rental property:   Tax returns for the last two years and current rental agreements.   If you are retired:   Pension Award Letter.   If you receive Social Security:   Social Security Award Letter.   If you are counting child support as income:   Copy of divorce settlement. Copy of twelve months of cancelled child support checks. Debts Names, addresses, account numbers, balances and monthly payments on all current loans. Explanation of credit report anomalies, including:   Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers). VA Loans Copy of DD Form 214, Report of Separation. Miscellaneous Photo ID and proof of Social Security number. Residence addresses for the past two years. If applicable, a copy of your divorce decree. If you are not a citizen, a copy of the front and back of your green card.     Today's Rates: Mtg Loan     Rate   APR 30-yr Fixed 4.97% 5.13% 15-yr Fixed 4.33% 4.56% 1-yr Adj 4.27% 5.3% * national averages Mortgage Calculator: Sales Price: $ Down: % Interest Rate: % Term: yrs Monthly payment: $ Got a Question? Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.   Your Information *Name: *Email: Phone: Your Question Question: Note: Fields with an * are required * MOL = More or Less

Privacy Policy:
Your privacy is respected here. I will keep your personal information completely confidential. The personal information you share on this website will not be sold to or shared with anyone else. It will be used solely to answer the question for which it has been provided. If, at any time, you wish to discontinue communication that you have initiated, simply email or phone your request and it will be honored immediately. I do not sell or share Customer information with outside marketers who may want to offer you their products or services.

Data maintained by  Lompoc Board of Realtors may not reflect all real estate activity in the market. Information contained herein has been provided by sellers or other sources and has not been verified by the broker or his agents. Interested persons should independently verify the accuracy of all information.

State: County: City: Zip: