Application Checklist

While completing this application, you may want to gather the following information to make the process easier. Don't worry if you don't have it all, we can contact you later for what you did not complete.

• Social Security Number of all borrowers
  

We use your social security number to access your credit report, which contains information about your credit payment history and monthly debts.

• If Purchasing - Home Type, Purchase Price, and Down Payment amount - or if refinancing - Home Value and Current Mortgage(s) Balance.
  

This information will help us determine which loan programs are available for your property type, loan to value, and overall is best for your situation.

• Employment and Income information
  

Job stability is a factor in loan approval, as well as the time spent in the same industry. For example, a commissioned sales rep

• Current Mailing address and how long you've lived at that address
  

This information will be used to confirm information on your credit report

• Equal Credit Information and Declarations
  

Simple questions requested by the Federal Government for certain types of loans, in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing, and Home Mortgage Disclosure (HMDA) laws. These questions have to do with your race and sex, and declarations regarding about your previous home ownership and credit history. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it.

Remember, if you don't have all this information available at this time, you can still begin the process. We will contact you to obtain further information needed to obtain the best rate and mortgage program for your application.