Do you have a mortgage application checklist?

Personal

• Driver’s License.
• Social Security Card.
• Divorcee decree (if applicable).
• Proof of Veteran status (for VA loan).

Employment/Income

• Federal income tax returns for the previous two years.
• Pay stubs for the previous 30 days.
• W-2 forms for the previous two years.
• Proof of additional income (Social Security benefits, child support, alimony, etc.).
• Previous two years’ and year-to-date profit and loss statements if self-employed.
• Balance sheet for the most recent quarter if self-employed.

Assets

• Statements for checking and savings accounts for the last three months.
• Statements for retirement funds and other investments for the last three months.
• Titles for automobiles and other property.

Liabilities

• Most recent statements for credit cards, loans, and other credit.
• Canceled checks for rent or mortgage for the last 12 months.
• Court documentation for bankruptcy or judgment (if applicable).
• Listing agreement or sales contract for current home (if applicable).

Property

• Sales contract.
• Proof of earnest deposit.
• Proof of homeowners insurance (need before closing).
• Contact information for homeowners association (if applicable).

Are you ready to buy your new home?

Start The Process Now! Get A Quote!

Our Assumptions

• Mortgage rates could fluctuate daily.
• Based on your situation, your payments may vary.
• See what products are available in your state.
• Certain jumbo products might not be available to you if you’re a first-time buyer.
• Some lending services might not be available in all areas. See what’s available to you.
• Some restrictions may apply.
• The lock period for your rate is 45 days.
• Perennial Funding offers a variety of options. You may still qualify for a loan even if your situation doesn’t match our assumptions. Consult us to find what’s available in your area, and what best solutions are for you.