Mortgage Application Documents List for Dearborn Buyers
What Dearborn Buyers Need When Applying for a Home Mortgage
Before you meet with your mortgage lender, it is always best to be prepared.
The following outlines some of the basic information and documentation your
lender will need to start your mortgage application process.
Addresses for two full years
Gross monthly income
W-2's, if available
Proof of pensions, retirement, disability, social security, etc.
Proof of income from rentals, investments, etc.
Proof of child support of alimony paid/received
Year to date pay stub
If self-employed, you will also need:
Two years 1040 Tax Returns
Current year profit and loss statement
Each creditor's name, address and type of account
Monthly payments and approximate balances
Amount of child care expenses
Names and addresses of saving institutions
Account numbers for all accounts
Type of accounts and present balances
List of assets in stocks, bonds, lands
Life insurance cash value (documented if used as cash down payment)
If applicant is using cash from sale of a home, a copy of sales contracts
Social Security numbers for all parties
Veterans- Certificate of Eligibility & DD-214
Cash or check to pay for application fee
No matter which mortgage program you are considering (fha mortgage, va mortgage, conventional mortgage,
fixed rate, adjustable, etc.), it is very important to be prepared when you speak to a mortgage bank / lender.
Also, remember that in order to secure a mortgage, your mortgage lender / banker will run a full credit report which will
reveal any past credit issues, defaults, late payments, bankruptcies, etc. you have had so it is a good idea to
be completely up-front with them during your first meeting / discussion. Even if you have past credit issues there may
be a mortgage program that would work for you. Generally mortgages written for damaged or bruised credit will have
additional fees or perhaps a higher interest rate. While this does not sound very attractive, it is worth considering
just so you can get your foot in the door and think about refinancing at a later date. The key is to investigate all your
options and ask your Realtor® for their opinion or lender referrals. A qualified, experienced agent can generally
give you suggestions that are very helpful.
You'll find tons of valuable tips and advice in Steve's "Home Buyer Survival Kit"
Get your FREE Home Buyer Survival Kit now!
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Buying a home is a BIG investment...don't pick the wrong real estate agent!|
Steve Hatfield is a highly "Qualified" Buyer's Agent!
Honesty, sincerity, professionalism.
As a buyer, you will benefit greatly from his 20+ years experience and extensive knowledge!
That is why you need to Contact Steve if you are thinking about buying a home!
In the world of real estate, there is no substitute for experience. As an experienced real estate agent, I will guide you through the complexities of buying or selling a home, help you to achieve your goals and strive to make the final outcome exciting rather than stressful!
Whether you are buying a home or selling your existing home, please allow me the opportunity to assist you with your real estate transaction. I am prepared to exceed your highest expectations through exceptional service, reliable communication and knowledge of the local real estate market.
Realtor®, ABR, CRS, SFR, e-PRO
REALTOR® ABR, CRS, e-PRO Certified
CENTURY 21 Curran & Christie
25636 Ford Road
Dearborn Heights, MI 48127
Office: (313) 274-7200
Contact Steve Now
Michigan Real Estate Salesperson #6501221773|
Licensed Realtor® Since 1987
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Steve Hatfield, Realtor® provides real estate / home buying and selling services in Dearborn Michigan, Dearborn Heights Michigan, the Wayne County MI (Southeast Michigan) communities of Redford, Westland, Garden City, Livonia, Canton, Plymouth, Northville and the Oakland County cities of Farmington / Farmington Hills and Novi Michigan.
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