Purchase Mortgage Pre-qualification Checklist

 

  • Over-the-phone or in-person interview which includes pulling individual(s) credit report

  • Copy of most recent 2 years of tax returns

  • Copy of most recent 2 years of W2’s (if applicable)

  • Copy of most recent 2 months of bank statements and investment accounts (including IRA’s or taxable investment accounts if being used to qualify or for closing costs)

  • Copy of valid driver’s licenses

  • Copy of gift letter from family member(s) if they are gifting funds to borrower for down payment or closing costs

  • Copy of sales agreement for subject property

 

Refinance Mortgage Pre-qualification Checklist

 

  • Over-the-phone or in-person interview which includes pulling individual(s) credit report

  • Copy of most recent 2 years of tax returns

  • Copy of most recent 2 years of W2’s (if applicable)

  • Copy of most recent 2 months of bank statements and investment account (including IRA’s or taxable investment accounts if being used to qualify or for closing costs)

  • Copy of valid driver’s licenses

  • Copy of current NOTE or Mortgage statement for subject property

 

Mortgage Underwriting Process

 

  • Client signs loan application and disclosures

  • Submit the file to underwriter for underwriting conditions

  • Order appraisal to confirm value on subject property

  • Order Title search to confirm clear title on subject property

  • Follow up on underwriter’s borrower conditions until file is cleared to close

Mortgage Loan Checklist

© Veritas Mortgage Services of Pittsburgh PA

Veritas Mortgage Services

1384 Old Freeport Road, Suite 3F

Pittsburgh, PA 15238

tony@veritasmortgageservice.com 

(412)968-0370, FAX (412) 968-0270

Apply Online

Licensed by the Pennsylvania Department of Banking

NMLS Company ID 133364 / Individual NMLS ID 13774

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