Purchase Mortgage Pre-qualification Checklist
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Over-the-phone or in-person interview which includes pulling individual(s) credit report
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Copy of most recent 2 years of tax returns
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Copy of most recent 2 years of W2’s (if applicable)
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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)
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Copy of valid driver’s licenses
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Copy of gift letter from family member(s) if they are gifting funds to borrower for down payment or closing costs
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Copy of sales agreement for subject property
Refinance Mortgage Pre-qualification Checklist
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Over-the-phone or in-person interview which includes pulling individual(s) credit report
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Copy of most recent 2 years of tax returns
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Copy of most recent 2 years of W2’s (if applicable)
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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)
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Copy of valid driver’s licenses
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Copy of current NOTE or Mortgage statement for subject property
Mortgage Underwriting Process
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Client signs loan application and disclosures
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Submit the file to underwriter for underwriting conditions
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Order appraisal to confirm value on subject property
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Order Title search to confirm clear title on subject property
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Follow up on underwriter’s borrower conditions until file is cleared to close