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If 2012 is your year to purchase a Palos Verdes home, there is no time like the present to begin the process. One of the first things to do is speak with a lender and begin the pre-approval process. Here's a great checklist of items your lender will need.
Begin preparing today as you may find the right house tomorrow! Thanks for this valuable information Gene.
I found a recently-written article in National Mortgage News. It presses home the same message as my blog. Time is of the essence for those buyers presently in the home buying process ... but even more so for those that are contemplating a home purchase or refinance of their present mortgage within the near future.
Simply said, taking action NOW is much better than later ... when it comes to costs associated with mortgage financing. Wait too long, and you'll pay more.
So, my suggestion is this ... should you even be flirting with the idea of buying a home or refinancing ... start gathering the information and financial documentation that will be REQUIRED by your mortgage lender when applying for your loan.
Should you decide not to buy, no harm ... no foul. At worst, your financial records are probably better organized than they were previously. But if you DO decide to pursue home buying or refinancing, you'll be ahead of the game, ready to go, and be much better positioned to advance your mortgage application and mortgage processing quickly. And possibly save yourself from those rising costs being talked about.
What documents and information are needed when you apply for mortgage financing?
Below you will find a handy list of those things that you will be REQUIRED to supply almost any mortgage lender at the time of your mortgage application. It's the same list I make available for my clients and for download at my website. The REQUIRED Information and Documents list can be found at: www.genemundt.com/Required-Mortgage-Docs.html.
List of Information & Documentation Needed
When Applying for a Mortgage
Last 2 years W-2's and Tax Returns
Last 30 Days consecutive Pay stubs
Name, Address, and Telephone Number(s) of your Employers for the past 2 years
Last TWO (2) months Bank Statements (ALL pages) or 60-Day printout of accounts from the Bank that is stamped and signed by a representative of the Bank. (Including 401K, Credit Union, Profit Sharing, etc.)
Copy of your Social Security Card(s). (FHA/VA only) and Driver's License (ALL Borrowers to be involved in the mortgage)
Name, Address, and Telephone Number(s) of your Landlord ... and the amount of the Rent Payment (Renters only)
Signed (and legible) Real Estate Sales Contract and ALL Riders on home being purchased
Names and Phone Number(s) of Real Estate Agent, Real Estate Attorney, and your Insurance Agent
Copy of Earnest Money Check (as available)
Miscellaneous Information Needed - If Applicable:
Recorded Divorce Decree(s) or Separation Agreements (ALL Pages).
Recorded Bankruptcy Discharge and Schedule of Creditors
Most recent Social Security Award Letter or Pension Award Letter
Filed and Stamped Release of any Judgment and Paid Receipts of all Collections
12 Month Court Print-out of Receiving Child Support
Address and Information on any other Real Estate-Owned
Self-Employed Buyers: In Addition to Basic Information
Year-to-Date Profit and Loss Statement with complete Tax Returns (Last 2 years Filed)
Gather the information and financial documents on this list. Get prepared ... be ready to take action ... and make that contact!
* Ready to take action? Thinking of buying soon or in the future? Need some financing and credit questions answered? Contact me! I'll put my 35 years of mortgage experience and expertise to work for you. Together we'll discover the options that exist for you in today's market.
PalosVerdesLifestyle- Norma's award winning site as the best Palos Verdes homes and real estate blog since 2007. Selected by Relocation.com as one of the top ten Los Angeles area real estate blogs. Chosen by MovingCost.com as one of the best Los Angeles realty blogs. Awarded 5 out of 5 stars by Lender411 blog review. Ranked by Technorati in the top 1% of all blogs. As seen in the Daily Breeze newspaper.
South Bay Los Angeles cities I sell real estate, property, houses and homes in: Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Rancho Palos Verdes, San Pedro, Long Beach, Torrance, Lomita, Redondo Beach, Hermosa Beach and Manhattan Beach. Based on information from the Association of REALTORS®/Multiple Listing as of the initial date of this article/blog publication and /or other sources. Display of MLS data is deemed reliable but is not guaranteed accurate by the MLS. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
Broker Associate with RE/MAX Estate Properties. Tune in for Best Buys in Palos Verdes; Market Updates; Buy & Sell Signals; Advice to Buyers & Sellers and other real estate related topics of interest. Updates will be posted on all four cities on the Palos Verdes Peninsula, PV School District and other happenings on The Hill.
South Bay Los Angeles cities I sell real estate in: Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Rancho Palos Verdes, San Pedro, Long Beach, Torrance, Lomita, Redondo Beach, Hermosa Beach and Manhattan Beach.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.