You have a number of options for home loans, whether you are wanting to refinance, take cash out, or purchase. Rates are at an all-time low - it is a great time to get a loan. And, contrary to some beliefs, well-documented loans on property with enough equity are getting approved and closed easily and quickly.
Here's what you will need to bring to your home loan application appointment (or supply via mail or email):
- 2 months of bank statements - all pages, all accounts
- 2 months of pay stubs
- 2 years of W-2's
- 2 years of tax returns, if self employed
- A copy of your current mortgage statement(s) OR your complete purchase contract (if you are buying a new home)
We cannot submit your loan and lock in a great rate for you until we have all of your documentation, a current credit report, and a complete, signed application with all disclosures. But once we have all we need, the process moves along quickly.
For more information on the process of getting a home loan, visit the Loan Process page.
For information on the variety of loans available to you, visit the Loan Programs page.
For information on a relatively new, exciting loan that offers the maximum flexibility, a very low interest rate, and the ability to pay off your home in half the time, visit the Home Ownership Accelerator page.