Although there are many documents that need to be signed during the Mortgage Process, there are certain documents or paperwork that a client can have handy ahead of time. Below is a list of documentation that we ask our clients to gather to help speed along the home purchase process:
- Copy of Driver’s License
- Copy of Social Security Card
- Most recent 2 years W2’s (For all jobs)
- Full month of paystubs (keep all future paystubs going forward)
- Tax Returns 2 Years (if Self Employed or have Rental Income)
- Last two months Bank Statements (All Pages of Statement)
- Most recent Retirement Statements (for reserve purposes)
- Contact name/number of your Human Resources Department
- Contact name/number of your Home Owners Insurance Agent
- Your Attorney name/number if you already have one
- Any current mortgage statements (if you own any property)
Although this is only the start of the mortgage process, these documents will help us put together a nice package to get your approved. Based on your goals and your credit history, more documentation may be needed. This is a good list to keep handy if you are starting to look for a home. Have these documents/information handy and keep saving those paystubs as they have to be current throughout the process.
For more information, please call us at 518-782-1202 or fill out our contact form.
