Getting Pre-Approved for a Real Estate Loan

Checklist To be approved for a loan, a lender must research your sources of income, your debts, and your credit history.

You have already given the necessary information to pre-qualify you for a loan. Now you must formally apply for a loan, filling out a complete application and supplying the documents that verify the information that you have given.

Having the proper documentation makes the loan process much quicker and easier for everyone.

Use this checklist when gathering your documentation.

 Personal check to pay for credit report and appraisal. Contact your lender in advance to get an estimate of these costs.

 Evidence of Social Security number for each applicant.

 W-2’s for the past two years.

 Copies of filed tax forms for the past two to three years.

 Completed purchase contract signed and dated by the buyer, the seller and any real estate agents involved.

 Seller’s Disclosure of Property Condition (if real estate agent is involved).

 If applicable, copy of signed, court-entered divorce decree and property settlements with verification of child support or maintenance paid or received (if applicable).

 If applicable, copy of bankruptcy discharge papers and a written explanation from applicants of the reasons for filing bankruptcy (if applicable).

 Landlord’s name(s), address(es) and phone number(s) for the last two years.

 Name(s) and address(es) of ALL employers for past two years for each applicant.

 Paycheck stubs covering the past 30 days.

 Any proof that you are receiving other sources of income.

 Most recent two months’ bank statements for all accounts (savings, checking, etc.).

 If applying for a VA loan, copy of DD-214 and VA Certificate of Eligibility.

 If a family member will be giving you money (gift funds) to be used in purchasing a home, provide the amount and source of the gift.

 Other items requested by lender.

 ___________________________________

 ___________________________________

 ___________________________________

 

All this information will help yoube prepared in  Getting Pre-Approved for a Real Estate Loan

START YOUR HOME SEARCH NOW,  HOMES FOR SALE LOUISVILLE KY

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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of Metro Search Multiple Listing Service. Real estate listings held by brokerage firms other than Pound Realty are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about each listing includes the name of the listing broker.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All data is deemed reliable but is not guaranteed accurate.
Metro Search (GLAR) data last updated at July 20, 2017 5:16 PM ET