When buying a Camp Lejeune NC home (or any other home) you will need certain documents to apply for your loan. Your lender will provide you with a list of what you will need, but I find it nice to have a little head start and come prepared.
So here is what you will need when buying a Camp Lejeune NC home:
You will always need a current ID card, if you are buying with a VA loan you will need to produce a proof of service, usually your military ID. You will also need to be able to re-enlist when buying a Camp Lejeune NC home if your contract is up in less than 12 months, so be prepared to get a statement from someone in charge!
To buy a Camp Lejeune NC home you will also need proof of income, i.e. last 3 months of paystubs (often your LES in our area). Don't forget any other income you may have such as child support, trust funds, interest, etc.
In addition, when you buy a Camp Lejeune NC home you will need 2 to 3 months of bank statements of ALL of yoru bank accounts and your W2s (and/or tax returns) from the past 2-3 years. Of course, if you are self employed or a permanent resident (but not a citizen) it all gets a little more complicated when you want to buy a Camp Lejeune NC home!
Next, if you are divorced you will need to produce copies of the divorce decree (especially if you are selling a home, but you may also need it if you are buying) and you may also need a quit claim deed if you are planning to purchase the home as separate property. By state of NC law, your spouse has marital interest in your property, no matter if they are on the loan or not! So keep that in mind when buying a Camp Lejeune NC home, especially if you are single and get married later, or if you are not yet divorced but only separated!
Lastly, you will need gift letters for any big sums of money you've received (maybe a Christmas gift from your grandma) stating that you will not have to pay that money back.
So there you have it - these are the most important documents you will have to provide to your lender when buying a Camp Lejeune NC home. Of course they may require some others, but essentially, if you have these ready, you'll be in good shape!
To find more details on the topic also read this article.
To find homes to buy around Camp Lejeune NC or in all of Onslow County please visit my Camp Lejeune NC premier real estate website
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