{"id":1496,"date":"2015-07-01T14:00:15","date_gmt":"2015-07-01T14:00:15","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=1496"},"modified":"2020-07-13T22:34:35","modified_gmt":"2020-07-13T22:34:35","slug":"mortgage-checklist","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/mortgage-checklist\/","title":{"rendered":"Mortgage Checklist for Buying a Home"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1498 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/07\/mortgage-application-approved-300x199.jpg\" alt=\"Mortgage checklist - Common items needed to process and approve a mortgage loan to purchase a home\" width=\"300\" height=\"199\" \/><\/p>\n<h2>Purchase Mortgage Checklist<\/h2>\n<p>Providing complete and accurate information to your mortgage lender up-front is paramount. \u00a0Using this mortgage checklist will help in the following ways.<\/p>\n<ul>\n<li>on-time closing<\/li>\n<li>Accurate pre-approval<\/li>\n<li>Quicker underwriting times<\/li>\n<li>More confidence in purchasing a home<\/li>\n<\/ul>\n<p>This mortgage checklist includes common items necessary to process your mortgage loan. \u00a0Although keep in mind that several items may not apply to all scenarios. \u00a0These items apply for all borrowers that will be on the mortgage, unless otherwise specified.<\/p>\n<h3><b>Mortgage Checklist<\/b>:<\/h3>\n<ul>\n<li>\u00a0<strong>Copy of legible driver\u2019s licenses &amp; social security cards<\/strong>, if not a US citizen, need front and back copy of Permanent Resident Alien card. \u00a0 Provide a color copy\/scan so we are able to clearly identify each borrower<\/li>\n<li><strong>Paystubs to cover the most recent 30 day period. \u00a0<\/strong>As\u00a0new paystubs are received, send those\u00a0as well.\n<ul>\n<li>If no paystubs received yet due to new job, provide signed employment offer and signed acceptance letter. \u00a0It should \u00a0specify the job title, start date, and pay rate.<\/li>\n<\/ul>\n<\/li>\n<li>2 most recent year&#8217;s\u00a0w2\u2019s, 1099\u2019s, and personal Federal tax returns <strong>(all schedules of the federal return. \u00a0We don\u2019t n<\/strong><strong>eed the state return<\/strong>)<\/li>\n<li>If self-employed, provide 2 most recent business returns as well<\/li>\n<li>Social security, retirement, disability income:\u00a0 Copy of the most recent award letter and proof of receipt for last 2 months<\/li>\n<li>2 most recent <strong>actual monthly statements<\/strong> for banking, investment, &amp; retirement accounts (<strong>all pages of each <u>actual<\/u> statement<\/strong>)<\/li>\n<li>For any down payment money that is gifted from a family member, we will need the following. \u00a0Ask us if you have questions and there could be alternatives allowed.\n<ul>\n<li>Gift letter signed by donor and yourself. \u00a0We will provide the specific letter to sign.<\/li>\n<li>Cashier\u2019s check for gift money given by donor<\/li>\n<li>Daily history printout for your bank account showing the gift funds in the account. \u00a0Printout should start at the ending date of the most recent statement through the at least the deposit date<\/li>\n<li>Copy of donor\u2019s bank statement for the account the money leaving. \u00a0This\u00a0is to show he\/she has the ability to give the money. \u00a0Plus it proves it is not borrowed.<\/li>\n<li>Or simplest could use a wire from the donor direct to the closing attorney (ask how this works)<\/li>\n<\/ul>\n<\/li>\n<li>Name and phone number for your chosen\u00a0homeowner\u2019s insurance agent. \u00a0Ask your agent to provide a quote early!<\/li>\n<li>Signed letter of explanation for\u00a0any issues reporting on your credit report.<\/li>\n<li>Credit reference letters from at least 3 creditors paid on time for the past 12-24 months. \u00a0This helps borrowers with no or very limited credit.<\/li>\n<li>Copy of the signed divorce decree\/separation agreement (<strong>all pages<\/strong>) and child support order if applicable<\/li>\n<li>Contact information for your landlord.\u00a0 If you don\u2019t pay rent, we will need a signed letter from the owner of the house. \u00a0The letter must state that you live there \u201crent free\u201d<\/li>\n<li>Cancelled rent checks for 12 months (or money order receipts) if renting from an individual, when possible<\/li>\n<li>Copy of your most recent mortgage statement on your current home to prove the total payment with taxes and insurance.\u00a0 If property is free and clear, provide copy of insurance coverages and most recent property tax bill. \u00a0Additionally this applies if your property is free and clear as well.<\/li>\n<li>Copy of the cancelled check for the earnest money deposit. \u00a0This applies once you are under contract plus it cleared your bank.\n<ul>\n<li>Cash cannot be verified, so please notify me ASAP if earnest money was paid in cash<\/li>\n<li>If earnest money check was written by someone other than yourself please notify me ASAP. \u00a0 This could cause problems.<\/li>\n<\/ul>\n<\/li>\n<li>Do you have a preference of closing attorney?<\/li>\n<\/ul>\n<h3><strong><u>For USDA Loans Only:<\/u><\/strong><\/h3>\n<ul>\n<li>Income documentation for all adult household members (on the loan or not).\u00a0 For all adults with no income, we need a signed and notarized letter from each stating they have \u201cno income\u201d. \u00a0We will provide form letter with required and specific language.<\/li>\n<\/ul>\n<h3><strong><u>For VA Loans Only:<\/u><\/strong><\/h3>\n<ul>\n<li>\u00a0If discharged from the military, DD214<\/li>\n<\/ul>\n<ul>\n<li>If currently in the military, Statement of Service letter from veteran\u2019s current command. \u00a0VA is very specific about the Statement of Service. \u00a0It must state veteran\u2019s DOB, SSN, Entry date for active duty, duration of lost time if any, type of duty veteran is serving under, and the name of the command providing the information.<\/li>\n<li>Name, address, phone number, and relationship to you for a nearest living relative (not in your household)<strong><u>For <\/u><\/strong><\/li>\n<\/ul>\n<p><strong><u>All Government Loans (USDA\/FHA\/VA):<\/u><\/strong><\/p>\n<ul>\n<li>Borrower must have actual Social Security number, CANNOT be just a Taxpayer Identification Number.<\/li>\n<\/ul>\n<h2>What to do and NOT to do:<\/h2>\n<p><span style=\"color: #ff0000;\"><strong>Important information regarding the above (PLEASE READ):<\/strong><strong>\u00a0<\/strong><\/span><\/p>\n<ul>\n<li><b><strong>DO NOT quit your job or open any new debts as it could deny your loan<\/strong><strong>! \u2013 believe it or not borrowers do this often and it will cause a loan to be denied at the end!<\/strong><\/b><\/li>\n<li>\u00a0Paystubs must identify the employer, employee information, and year to date income and deductions<\/li>\n<li><strong>Do not deposit cash into your bank account or pay your earnest money deposit in cash!!\u00a0 It can cause major issues with your loan.<\/strong><\/li>\n<li>Actual mailed statements. \u00a0Furthermore, you can access your online account and choose to \u201cview statements\u201d. \u00a0Then print it or send as a PDFs. \u00a0Statements must have the bank name and account numbers. \u00a0 A daily history printout usually won&#8217;t work since they don&#8217;t show your identifying information.<\/li>\n<li>All banking, investment, and retirement account statements, <strong>must have all pages<\/strong>.\u00a0 For instance, if the statement says 1 of 7, we would need all 7 numbered pages even if blank.\u00a0 Often back pages are blank but we don\u2019t know unless we have those pages<\/li>\n<li>If you notice generic deposits on your bank statements, provide proof of the deposit sources.\u00a0 Let us know if you have questions on this documentation<\/li>\n<li>Make a legible copy of the driver\u2019s license.\u00a0 For clarity of the small numbers, the picture, and dates, it helps to enlarge the copy.\u00a0 A fax copy of a license will not be viewable<\/li>\n<li>Don\u2019t wait until the end to choose and start talking to your insurance agent.\u00a0 Do this up-front to prevent surprises or delays in the end<\/li>\n<li>As you receive new paystubs or banking statements, send them. \u00a0Therefore, we always have the most recent ones in the file<\/li>\n<\/ul>\n<h3>In Conclusion:<\/h3>\n<p><strong>Even if not under contract, it is best to provide documentation on the mortgage checklist early. \u00a0It will speed up the approval and closing process.\u00a0 If you have any questions on any of these items, please contact us.<\/strong><\/p>\n<p><strong>Ask questions about this mortgage checklist. \u00a0We want to make sure we answer your questions. \u00a0So please ask<\/strong>.<\/p>\n<p>[av_button_big label=&#8217;Learn More About TEAM MOVE &#8216; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/our-team\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nContact our team of mortgage loan experts today<br \/>\n[\/av_button_big]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchase Mortgage Checklist Providing complete and accurate information to your mortgage lender up-front is paramount. \u00a0Using this mortgage checklist will help in the following ways. on-time closing Accurate pre-approval Quicker underwriting times More confidence in purchasing a home This mortgage checklist includes common items necessary to process your mortgage loan. \u00a0Although keep in mind that [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,17,40,41,48],"tags":[161,25,26,27,28,29,31,9,10,12,13,16,310,406,18,311,20,42,43,44,45,46,47,103,49,21],"class_list":["post-1496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-products","category-tips","category-usda","category-va-loans","tag-business-owners","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-purchase","tag-first-time-buyers","tag-homebuyers","tag-lumberton-board-of-realtors","tag-mortgage-faqs","tag-north-carolina","tag-pinehurst-southern-pines-association-of-realtors","tag-processing","tag-realtors","tag-sanford-area-association-of-realtors","tag-team-move","tag-usda","tag-usda-home-loan-updates","tag-usda-home-loans","tag-usda-rural-development","tag-usda-rural-development-guidelines","tag-va-home-loans","tag-va-refinance","tag-va-requirements","tag-wrar"],"acf":[],"yoast_head":"<!-- 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