Redding Mortgage Checklist

Checklist Of Items Redding Lenders Need To Approve Your Loan Application

The following list of items has been compiled for your convenience when you are applying for a Redding Mortgage. You will need to bring this information to your mortgage application in order to expedite the processing of your mortgage loan.

• A check for your credit report and appraisal
• Your residence addresses for the past two years
• Names, addresses and phone number of your landlords for the past two years
• Present value of all real estate owned
• Names, addresses, phone numbers and contact person for all employers for the last two years
• W-2 Forms for all employers for the last two years
• Pay stubs covering the most recent 30 day period (all current jobs)
• Addresses, account numbers and current balances for all checking, savings and other deposit accounts
• Three most recent months’ bank statements (all accounts, all pages)
• Name, account numbers, balances and monthly payments for all consumer debt accounts including auto loans, personal loans, student loans, credit union loans and mortgages
• Name, account numbers, balances and monthly payments for all credit cards used in the last several months
• Evidence of alimony or child support, a copy of the court order and ages of child(ren)
• Copy of divorce decree and separation agreement
• Social security and other benefit award letters if being used toward qualifying income
• Stock information including names of stocks, share owned, current price per share and last three month’s stock statements (or most recent quarterly statement)
• Make, year and estimated value of all automobiles. Also include copy of title if auto is less than four years old and owned free and clear.
• 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)

FOR VA LOANS:

• DD214 of Certificate of Eligibility (original)

IF YOU ARE SELF EMPLOYED:

• Two years personal tax returns
• Two years partnership/corporate tax returns (if applicable)
• Year to date profit and loss statement, signed by accountant

IF YOU ARE APPLYING FOR A NO-DOC LOAN:

• Three months of original bank statements or other proof of source of funds for closing

REAL ESTATE AGENTS, PLEASE PROVIDE:

• Copy of listing card
• Complete ratified contract of sale (all pages)
• Your personal business card
• Name, address and phone number of condominium management company (if applicable)

I hope you have enjoyed this special report. We currently have over 40 creative loan programs to fit your needs. Please contact us at 530-356-8100 to set up your FREE No-Obligation consultation where we will meet to tailor a program to fit your needs and comfort levels for monthly payment and investment.

Sincerely,

Dan Conley

Us Lending
2150 Churn Creek Rd #100
Redding, CA 96002
Phone: 530-244-6830

For more information on Redding Mortgage visit 530lending.com