Make a Plan and Get Pre-Qualified.

Armed with the following when applying for a loan will make the process a lot less stressful and make it seem like a breeze.

• Full Names and Social Security numbers of all.
• Your home address, including zip code, for the last 24 months.
• If you were renting, a copy of the lease, the landlords name and address, and monthly payments
• If you are military a copy of your orders. If you living in leased or base housing a letter from the housing office stating you occupied quarters
• A list of all account numbers, current balances, and complete bank address for all checking, savings, and credit union accounts
• Copies of your last three months checking, savings, and retirement account statements
• List all retirement fund information, including serial numbers of savings bonds, stocks, and similar assets. Provide copies of Award Letters
• Copies of most recent investment account statements
• If you are obligated to pay alimony, child support, or separate maintenance, bring a copy of the recorded divorce decree and/or maintenance agreement
• For VA or FHA/VET loans, you will need to provide your VA Certificate of Eligibility. If you have not obtained the Certificate of Eligibility it is wise to immediately apply for it now. This will save time and prevent a lot of stress
• Name and complete address and phone number of employers (for all applicants) for the last 24 months
• Most recent pay stubs covering one full month and Year To Date for all applicants or a copy of your last 3 pay stubs
• For military members, you will need a Statement of Service from your Commander
• Last two years W-2 forms for all applicants
• If you are using Child Support it is always helpful if you have a statement from the Court that disburses the payments. Writing to the Court and asking for a copy of past payments made or copies of checks you received can obtain this. If this is not available, copies of youre bank statements showing regular deposits
• You will also need a copy of the Decree that establishes the Child Support in the current amount. It is also wise to have a copy of the Divorce Decree

If you are unable to provide the required documentation, your lender, under the Alternate Documentation Program, will tell you what type of document can replace the required document.