| Home Mortgage Essentials
Be prepared to provide the following information to
you Mortgage Loan Officer during your first meeting.
| Personal Information: |
|
| |
- Name, social security number, and date of
birth
- Present address and telephone number
- Number of years at current residence
- Name and address of your present mortgage
company or landlord
- Amount of monthly mortgage or rent payment
- Previous 2 years’ W-2 forms
- Pay stub from the last 30 days
- Most recent two months’ bank statements (to
include checking, savings, stock, retirement,
etc.)
- Copy of valid drivers license
|
| Employment Information: |
| |
- Name, address, and telephone number of employer
or employers
- Position or title
- Length of employment
- Salary, commission, bonuses, and overtime
pay
|
| Self Employment
Information: |
| |
- Last two years of signed Federal Tax Returns
|
| Other Information: |
| |
- Source of other income, such as retirement
or rental income
- Year, make, and estimated value of any vehicles
- Name, address, account number, monthly payment,
and present balance for installment loans or
credit cards
- Name and address of attorney handling your
home purchase
- Application deposit fee check for credit report,
appraisal, and flood determination
- Copy of contract, if you are purchasing a
home
- Copy of settlement statement from sale of
previous home if sold within the past 12 months
|
| Information for
Refinancing: |
| |
- Above information, as well as
- Copy of your deed (if your mortgage is not
currently with First South Bank)
- Copy of your Homeowners’ Insurance Policy
(if your mortgage is not currently with First
South Bank)
- Copy of your termite treatment contract and
latest inspection receipt if you are under contract
(if your mortgage is not currently with First
South Bank)
|
| Information for
Building: |
| |
- Above information, as well as
- Copy of your deed to lot or offer to purchase
on lot you intend to purchase
- Complete set of plans and specifications
- Signed construction contract
- Survey of loan, if available
|
Find a Mortgage
Loan Officer in your area.
Home
Mortgage Calculators
For more information on Home Mortgage Options, click
here to send us your questions, or contact us at
1-888-993-8754.
|
