How Much Can we Afford?
Knowing how much home you can afford and feel comfortable with before you begin the search process will help save you time, hassles and maybe even money later on. And when sellers and real estate agents know you are pre-qualified for home loan mortgage financing, it makes your offer stronger.
Our FREE home loan mortgage pre-qualification process is fast, easy and secure. Just click on the “Apply Now” button and fill out as much information as you can. If you don’t know something, then just leave it blank and I or one of our team members will follow up with you on that. If you have any questions, then please click here or on the Contact Us tab at the top. And again, thanks for visiting my website and I look forward to working with you. Thanks – Joseph
Home Loan Checklist
We’ve put together a checklist of items that we will need in order to begin this process. By getting all these items upfront, it allows us to see what loan program might work best for you, as well as catch any issues early before you go out and begin looking for a home.
– 2022 W2s
– 2023 W2s
– 2022 1040s with all schedules
– 2023 1040s with all schedules
– Last 30-days of current paystubs
– Current bank statement
– Names, addresses, phone numbers and contact person for all employers for the last two years
– Social security and other benefit award letters if being used toward qualifying income
– Copy of divorce decree and separation agreement (if applicable)
– Documentation relating to any special issues such as bankruptcy, credit problems and recently established accounts for deposits or loans
– Copy of deed, most recent tax bill and most recent homeowner’s insurance bill (for refinance only)
– All of the items listed above plus:
– DD Form 214 (Report of Separation)
– If active duty, then Current LES
– Two years personal tax returns
– Two years partnership/corporate tax returns (if applicable)
– Year to date profit and loss statement, signed by accountant
The items listed above will not inhibit you from starting the loan process.
Joe Small is a licensed mortgage loan originator in Arizona, Alabama, South Carolina and North Carolina for Patriot Pacific Financial Corp; MLO-380188 . The postings on this Homebuyers Resource Center page don’t necessarily represent the positions, strategies or opinions of Patriot Pacific Financial Corp or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice.”