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ORGANIZE YOUR PAPERWORK IF YOU ARE APPLYING FOR A MORTGAGE
Homeownership is the American Dream for most people and applying for a mortgage is most likely to be part of the process to attain that goal.  It is an important step and getting your paperwork in order before you apply can make it easier.
There are fourteen documents that are necessary for a mortgage.  The following list is a guideline for you:
1-   Credit Reports – you will not need to provide your credit report to your lender, however you should know the information that is stated.  If there are any errors on the report you can file a dispute with the credit bureaus and have your report corrected prior to applying for a mortgage.
2-   Paycheck Stubs- are one of the first items your lender will want to see.  This will show the bank that you are currently working and how much you earn.  This is helpful in determining how much you can afford to spend on a house.
3-   Bank Statements- another item(s) that the bank will want to see from all your accounts.  This will show the lender how much money you have on hand.
4-   List of Assets- these documents show assets you have besides your bank accounts.
5-   List of Debts- your ... more

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