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Make Getting a Home Loan a Breeze
Here's a good newsletter from our preferred Mortgage Advisor, Kevin Nelson, from Discover NCW Mortgage:
If you're thinking of financing a home, here is some help to make things easier. You can simplify and expedite the loan application process by having the following documents available: Income * Last two years' W-2 forms* Last two pay stubs (covering one month's wages)* Last two years' signed Form 1040s* All appropriate schedules if more than 25% of your income is from self-employment, overtime, or commissions, or if you are employed by a relative* Current business income statement, if self-employed* Last two years' business tax returns if you own 25% or more of a business* Proof of Social Security, pension, or disability incomeAssets* Last two months' bank statements* Copies of stocks and bonds or U.S. savings bonds* Last quarter report for investment or trust account* Current statement for 401(k) or IRA accounts* Real estate owned: address, current value, loan balance, monthly payment, and rental income, if any* Listing agreement and sales contract if selling your current home* Value of personal property and household goodsLiabilities* Complete list of current debts and minimum monthly payments, including name of creditors and account numbers where applicable. * Last 12 months' ... more

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