Home Mortgage & Refinancing Serving Locations Throughout New York State
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Start Your New York Mortgage Application Process Here

Whether you’re applying for a mortgage in New York or elsewhere, the process can be confusing if you don’t know what to expect.

First Step: Talk to Maple Tree Funding

First and foremost, get in touch with us at Maple Tree Funding when you’ve decided to actively look for a home. Many real estate agents will require a pre-qualification letter before showing you homes to ensure you can afford a mortgage in a particular price range. As licensed mortgage brokers, our professional team members will review various loan programs with you – and advise you on which program will best suit your needs. We’re here to answer all of your questions, and will help you prepare and submit your application.

Below this form are helpful insights that will help you have a basic understanding of what’s involved so you can feel confident and prepared as you work through the mortgage application process.

Next, gather – and provide – the information we’ll need for your loan application.

The information we’ll need about you – and any co-borrowers – can vary according to to the loan type and your personal credit situation. The list below will give you an idea of some of the requirements that you might anticipate. Note that you might need to supply additional information and/or documentation depending on your particular situation. Check out our page on preparing to apply for a mortgage for more details on items you’ll need to complete your application.

  • Your social security number
  • Your current address (and the one prior if you’ve been there two years or less)
  • Your current employer (and the one prior if you changed employers within the last two years)
  • Your credit and asset information.
  • Photo ID
  • Your most recent pay stubs
  • 2-years’ worth of W-2s and 1099s
  • Past income tax returns
  • 3-months’ worth of bank statements
  • Estimated value of your personal property (including real estate that you own)

Next steps…

After we’ve collected all necessary info and have completed your loan application, we’ll submit your application to the lender for underwriting and approval of the financing requested.

Within 7 to 10 business days, you should know whether or not your mortgage was approved. The length of time often depends on the lender and the applicant’s personal credit situation. Sometimes, approval is given within just 24 hours!

If you have additional questions about the mortgage application process in New York, don’t hesitate to call us. As trusted mortgage professionals in your community, we’re here to provide you with the information and guidance you need as you look to purchase your home.

Contact Us With Any Questions

Give us a call at 518-782-1202 or contact us online. We are happy to help guide you through the mortgage application process.

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