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Chain of Lakes Mortgage
Speedup the Mortgage Process:
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Be
sure to respond promptly to requests for information while
processing is taking place.
Be prepared to provide the following typical items:
- The final
purchase contract for the house (if applicable).
- Pay stubs
for each applicant, showing earnings for the last 30 days
and year-to-date earnings. (These must be
computer-generated or typed originals that identify the
employer and the employee's name.)
- Last year's
W2 and 1099 for each applicant. If you're self-employed,
the mortgage company may require your personal and
business tax returns for the previous two years and your
company's year-to-date Profit and Loss statement.
- Account
numbers for all bank accounts, along with account
statements for the past two months.
- Information
about debts, including loan and credit card account
numbers and the names of your creditors.
- Evidence of
your mortgage or rental payments, such as canceled checks.
- An
irrevocable gift letter if you are receiving a monetary
gift from a relative.
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