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Your Mortgage Application Document Checklist

Your Mortgage Application Document Checklist

Once you find the perfect house and your offer is accepted, it is time to turn your attention to lining up the financing. If you’ve never applied for a mortgage loan before, or if it’s been many years since your last home purchase, the process of collecting all the required documents may seem a little overwhelming. Fortunately, we’ve compiled a checklist of all the application data you’ll need to close on your next property.

Personal Documents

Mortgage lenders will need to verify your identity with:

  • A copy of your driver’s license
  • A copy of your permanent resident alien card if you are not a U.S. citizen

Employment 

Your mortgage lender will want to know as much as about your current employment as possible to help them judge how stable your income will be. They will want the following information:

  • The business name of your employer as well as the street address and phone number  
  • Your title or position with the company
  • How long you have worked at your current job
  • The amount of your salary, including bonuses, commissions, and overtime

Income

Providing documentation proof of your income is essential in determining how much your lender will loan to you. They will likely ask for:

  • W-2s for the past two years
  • Corporate tax returns (including K-1s, 1065s, and S Corps) if you are self-employed
  • Pay stubs for the last 30 days
  • Any pension or Social Security benefits you receive
  • Public assistance benefits
  • Any child support or Alimony income
  • Profit & Loss statements if you are self-employed

Assets

Looking into your assets helps the lender evaluate whether you have enough funds to afford the loan you are requesting. Be prepared to provide access to:

  • Two to three months’ worth of bank statements (including checking, savings, and brokerage accounts)
  • Proof of ownership of any other properties
  • Stocks, bonds, and retirement investment accounts
  • Proof of gifted down payment funds from relatives

Debts

Your lender will also need to know how many liabilities you have and what kind of toll they take on your finances.  This documentation will include:

  • Any other mortgages you are currently paying
  • Legal Liens against you
  • Alimony or child support payments you make
  • Car loan debt
  • Credit card balances
  • Any other debts on real property

Credit History

Your lender will want to examine your history of dealing with debt obligations to judge your creditworthiness for this mortgage. In addition to running a credit check, your lender will also need information and any additional information on the following credit blemishes:

  • Bankruptcies
  • Foreclosures
  • Delinquencies
  • Collections

VA Loan Documents

If you are applying for a loan from the Department of Veterans Affairs, you will need some additional documentation:

  • Your DD214 or Statement of Serve paperwork
  • Your VA Certificate of Eligibility (COE) 

While this list comprises a lot of documents, the good news is that a lot of them can be submitted online these days, avoiding the need to photocopy and hand deliver a stack of papers to your lender. In many cases a photo, scan, or PDF of your documents will be enough. And although providing all this data may be a temporary chore, providing as much info on your financial picture as possible will make the entire mortgage process flow much smoother and faster.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

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Daisy Aguirre-Garcia | Jan 01, 2024

My misplaced cash of roughly $180k were found and recovered. I had my trading money unloaded by a broker who for three months refused to give me access to my trading account, and I had no idea that I would be able to recover it. i was able to get my money back without any hassle makes me quite happy. Elite Wizard Bitcoin Recovery, who earned a reputation as a licensed binary options recovery specialist, is a technician I would really like to thank. Your broker manager is recommending that you make further deposits before making a withdrawal if you have money in your account that you intend to take out. Please get in touch with Elite Wizard Bitcoin Recovery using the information below if you are unsure how to proceed. In a matter of days, they will demonstrate to you the guild lines to recover your stolen funds. Email: eliterecovery247@cyber-wizard.com or mailus@elitewizardrecovery.com Website: https://elitewizardrecovery.com/index.html Call: +1 (256)-472-0901 Telegram Elitewizardbitcoinrecovery

Jennifer Greenland | Jan 02, 2024

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Michael Hartnett | Jan 02, 2024

HOW I RECOVER MY LOST CRYPTO'S FROM FAKE BROKER ONLINE 2023 I was scammed over ( $345,000 ) by someone I met online on a fake investment project. I started searching for help legally to recover my money and I came across a lot of Testimonies about ETHICREFINANCE Recovery Expects. I contacted them providing the necessary information's and it took the experts about 27hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this help as many out there who are victims and have lost to these fake online investment scammers. I strongly recommend their professional services for assistance with swift and efficient recovery. They can reached through the link below. Email Address: ethicsrefinance @gmail com TELEGRAM: @ethicsrefinance You can also contact them for the service below * Western Union Transfer * Blank atm card * Bank Transfer * PayPal / Skrill Transfer * Crypto Mining * CashApp Transfer * Bitcoin Loans * Recover Stolen/Missing Crypto/Funds/Assets

james morgan | Jan 06, 2024

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Michael Hartnett | Jan 07, 2024

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Michael Hartnett | Jan 08, 2024

My name is Mrs Melissa, I own anelectronics warehouse, I was scammed of $3.289.323, I bought a lot of goodsworth more than the above-mentioned amount, I received an email from thiscompany and after a call conversation, I decided to partner with them so I mademy payment to them through BTC transfer as requested by them simply becausethey made me believe they were helping me to avoid Tax and also cryptotransaction is faster, not knowing they were fraudsters, I later realize itafter 2 months of goods not received, I advise everyone to be careful with thevendor you buy things from. so much pain and sadness were on me and I was sodown, I then luckily found out about EXNER PRO HACKER while reading an articleonline I reached out to them and they were able to have my scammed crypto fundsrecovered from the fake company wallet back to my local account, am very gladto have their support without an upfront payment.

Melissa Rhona | Jan 08, 2024

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Clara John | Jan 10, 2024

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Dagmara Kacper | Jan 10, 2024

iBolt Cyber Hacker: The Ultimate Solution for Bitcoin Recovery In the face of a bitcoin hack or theft, finding a trustworthy and reliable partner for recovery is paramount. iBolt Cyber Hacker stands out as the leading solution for bitcoin recovery, offering unparalleled expertise and a proven track record in retrieving stolen cryptocurrency. With cutting-edge technology and a team of skilled professionals, iBolt Cyber Hacker provides a comprehensive approach to investigating and retrieving hacked bitcoins. Their tailored recovery strategies, combined with a commitment to transparency and client satisfaction, make them the go-to choice for individuals and businesses seeking swift and successful bitcoin recovery. Entrusting your bitcoin recovery to iBolt Cyber Hacker ensures a dedicated and effective resolution to the distressing experience of cryptocurrency theft. Contact Info: Email: ibolt@cyber-wizard.com WhatsApp: +39 350 929 0554 Website: https://iboltcyberhacker.com/

Dora Lamar | Jan 10, 2024

As dreadful as it may seem, I can confidently tell you that it is 100% possible for a hacker to fix your credit. The joy I feel cannot be quantified. It feels like I have no worries in the world anymore since I hired H A C K M A V E N S CREDIT SPECIALIST. They permanently fixed my credit from 412 to 785 excellent score and wiped my bankruptcy, repossessions, and debt over $43,560 within 5-days. I read about them here and decided to give them a try via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7], they've provided a wide range of services to those with poor/bad credit. How best can I show my gratitude than to do a 5-star review for what H A C K M A V E N S has done? Hit them up today and get yours done.

Michael Hartnett | Jan 11, 2024

Don't even waste your time waiting for the support to help you, Interested and be careful in the crypto world lately... it's almost impossible not to fall victim to all the various scams out there, and it's really thoughtful that initiatives like this are set up to rescue people from these crooks In addition,, I would also recommend a licensed fraud analyst who had helped me out in recovering my funds sometimes last year, Motivfunds Recovery. (motivfundsrecovery @ gmail com)., he was able to make use of adequate proofs that i provided to enforce this recovery and I was able to get back my loss. . Anyways, it was not an easy task, but we got the job done.

John Alllison | Jan 12, 2024

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Crypto intel | Jan 13, 2024

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Michael Hartnett | Jan 14, 2024

Hello world! Permit me to discuss how, Cyber Genie Hack Pro team assisted me in getting my forgotten crypto wallet access back. Losing access to my wallet was traumatizing and heartbreaking to my household because it was a joint wallet where I and my partner decided to save for the future instead of using all these ridiculous financial banks in the USA controlled by the Matrix.  Our precious crypto savings were on the verge of vanishing before our very before. If there is one thing I am forever grateful for in 2024 is my encounter with Cyber Genie's team. These guys didn't even let me explain my task fully, how they delved into getting solutions for me to access my crypto wallet back still wows me and my partner. There's no better way to start the new year than with the best tech team ensuring my family's data are safe on the internet. If you have any important query related to crypto funds recovery, don't hesitate to find them on:  WEB:  (https ://) cy bergeniehackpro (.) xyz/W/A:  +'1'2'5'2'5'1'2'0'3'9'1'TELLEGRAM: "cyb ergeniehackpro"

William Stoughton | Jan 15, 2024

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Michael Hartnett | Jan 17, 2024

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Carvarlho Sandra | Jan 21, 2024

Please beware there are many fake bitcoin mining/clouding out there, I got scammed twice and I can tell its not a great experience, it was after my experience I made use of the service of an investigator who helped retrieve my crypto. Ever since I made this horrible mistake, I took it upon myself to ensure that every victim of crypto fraud gets back their stolen funds, it’s the least I can do. Please reach out to recbtc17@gmail.com to get help. I strongly recommend his service, you can also reach out on whats app with +447418364990 BTCSMARTRECOVERY BITCOIN RECOVERY #LOSTBITCOINRECOVERY #HOWTORECOVERLOST BITCOIN #HOW TO MAKE BITCOIN SPENDABLE IN TRUST WALLET

Jack | Jan 22, 2024

HOW TO RECOVER STOLEN BITCOIN/USDT 2024 ? EthicsRefinance hackers were invaluable in helping me recover my stolen bitcoin worth $234,000. Their exceptional skills and ethical approach ensured a successful retrieval. I highly recommend their services for similar situations. With their extensive knowledge and experience in cybersecurity, EthicsRefinance hackers consistently prove their ability to handle complex cases. I am grateful for their assistance and wholeheartedly recommend their trustworthy and efficient services. They go above and beyond to safeguard and restore their clients' assets. Their track record speaks for itself, making them the top choice for bitcoin recovery. Reach out to EthicsRefinance hackers today and reclaim what is rightfully yours EMAIL VIA: ethicsrefinance @ gmail .com TELEGRAM: @ethicsrefinance

mary christina | Jan 22, 2024

As dreadful as it may seem, I can confidently tell you that it is 100% possible for a hacker to fix your credit. The joy I feel cannot be quantified. It feels like I have no worries in the world anymore since I hired H A C K M A V E N S CREDIT SPECIALIST. They permanently fixed my credit from 412 to 785 excellent score and wiped my bankruptcy, repossessions, and debt over $43,560 within 5-days. I read about them here and decided to give them a try via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7], they've provided a wide range of services to those with poor/bad credit. How best can I show my gratitude than to do a 5-star review for what H A C K M A V E N S has done? Hit them up today and get yours done.

Michael Hartnett | Jan 23, 2024

As dreadful as it may seem, I can confidently tell you that it is 100% possible for a hacker to fix your credit. The joy I feel cannot be quantified. It feels like I have no worries in the world anymore since I hired H A C K M A V E N S CREDIT SPECIALIST. They permanently fixed my credit from 412 to 785 excellent score and wiped my bankruptcy, repossessions, and debt over $43,560 within 5-days. I read about them here and decided to give them a try via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7], they've provided a wide range of services to those with poor/bad credit. How best can I show my gratitude than to do a 5-star review for what H A C K M A V E N S has done? Hit them up today and get yours done.

Michael Hartnett | Jan 23, 2024

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Amelia Gabriel | Jan 24, 2024

FINALLY I GOT MY LOST BITCOIN BACK ALL THANKS TO CRYPTO RECOVERY WIZARD. Hello people, I highly recommend the service of Crypto Recovery Wizard to everyone who wishes to recover lost money either bitcoin or other cryptocurrencies from these online scammers, wallet hackers, or if you ever sent bitcoins to the wrong wallet address. I was able to recover my lost bitcoins from online swindlers in less than 24 hours after contacting them. They are the best professional hackers out there and I’m truly thankful for their help in recovering all I lost. If you need their service too, here is their contact information. Email: cryptorecoverywizard@gmail.com

Amelia Gabriel | Jan 25, 2024

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Wen-hui zeng | Jan 25, 2024

HOW TO RECOVER LOST OR STOLEN CRYPTO ASSETS- CRYPTO RECOVERY WIZARD. Investing in cryptocurrency has grown in popularity as a way for people to diversify their portfolios. But the popularity of digital currency also means a higher chance of fraud and theft. Numerous people have been duped by fraudulent investment firms, leaving them deeply in debt and hopelessly miserable. But if you fall prey to a cryptocurrency scam, CRYPTO RECOVERY WIZARD is a top cryptocurrency team that specializes in assisting companies and people in getting their stolen or lost cryptocurrency assets back. Their team of professionals tracks and traces stolen cryptocurrencies using state-of-the-art technology and industry experience, increasing clients' chances of recovery. Contact Info; Email: cryptorecoverywizard@gmail.com

GREGORY | Jan 26, 2024

HOW TO RECOVER LOST OR STOLEN CRYPTO ASSETS- CRYPTO RECOVERY WIZARD. Investing in cryptocurrency has grown in popularity as a way for people to diversify their portfolios. But the popularity of digital currency also means a higher chance of fraud and theft. Numerous people have been duped by fraudulent investment firms, leaving them deeply in debt and hopelessly miserable. But if you fall prey to a cryptocurrency scam, CRYPTO RECOVERY WIZARD is a top cryptocurrency team that specializes in assisting companies and people in getting their stolen or lost cryptocurrency assets back. Their team of professionals tracks and traces stolen cryptocurrencies using state-of-the-art technology and industry experience, increasing clients' chances of recovery. Contact Info; Email: (cryptorecoverywizard@gmail. com)

GREGORY | Jan 29, 2024

I was scammed by an Instagram person faking a celebrity I talked with this scammer 8 months via WhatsApp and I sent money to them via Bitcoin then I was cohered to give my banking login and from there they hustled me out of my 20k from the unemployment money they said oh I routed cash to your account and never gave me time to verify that was my unemployment money. They were really patient with me and waited 8 months for my payment then I exposed them…by video on WhatsApp. They asked me to Bitcoin the money via atm. But for the timely intervention of Mr. Jeanson James Ancheta wizard, who just in kick-off on time got back my $20,000. He is really good at what he does, I have recommended him to friends and co-workers who all became satisfied customers. He has helped me a lot in the trading industry, you can reach him on email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7951) 389762.for Everything. Hacking and Funds Recovering He is the best and has different skills in fund recovering and exposing scammers. I am glad and happy to recover back my money contact him on email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.

Anggraeni Rahman | Jan 29, 2024

As dreadful as it may seem, I can confidently tell you that it is 100% possible for a hacker to fix your credit. The joy I feel cannot be quantified. It feels like I have no worries in the world anymore since I hired H A C K M A V E N S CREDIT SPECIALIST. They permanently fixed my credit from 412 to 785 excellent score and wiped my bankruptcy, repossessions, and debt over $43,560 within 5-days. I read about them here and decided to give them a try via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7], they've provided a wide range of services to those with poor/bad credit. How best can I show my gratitude than to do a 5-star review for what H A C K M A V E N S has done? Hit them up today and get yours done.

Michael Hartnett | Jan 30, 2024

As dreadful as it may seem, I can confidently tell you that it is 100% possible for a hacker to fix your credit. The joy I feel cannot be quantified. It feels like I have no worries in the world anymore since I hired H A C K M A V E N S CREDIT SPECIALIST. They permanently fixed my credit from 412 to 785 excellent score and wiped my bankruptcy, repossessions, and debt over $43,560 within 5-days. I read about them here and decided to give them a try via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7], they've provided a wide range of services to those with poor/bad credit. How best can I show my gratitude than to do a 5-star review for what H A C K M A V E N S has done? Hit them up today and get yours done.

Michael Hartnett | Jan 30, 2024

I was once lured into a crypto currency investment platform that I came across on Instagram. I lost about $508,000 to this evil scheme after I invested and accumulated profits, I was denied withdrawals on the specified date. I wrote to the customer support but I was given no feedback, I knew I had been scammed and I started to search for a way to recover my crypto.. I considered myself fortunate that I stumbled upon a post on the internet web about a Recovery Expert Jeanson James Ancheta wizard. I would highly recommend Jeanson James Ancheta wizard agent to anyone who wants to recover their lost funds from any scam. He is the best in the business and will do anything possible to help you get your money back. I never thought it would be possible to get back crypto once it is sent but I'm super happy and grateful for the services of Jeanson James Ancheta wizard. Kindly reach out to him if you need any help.(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.

Anastácia Joaquín | Jan 30, 2024

HOW I WAS ABLE TO RECOVER MY STOLEN CRYPTO ASSETS- CRYPTO RECOVERY WIZARD Losing one's Crypto currency can be a devastating thing to experience, the fact that it is almost impossible to recover a Stolen or lost Crypto coin hurts more than anything. When a person gets scammed of their money while investing in a crypto currency platform the only thing they can think of is how to report the company and get back their money. Most victims of the scam contact their wallet account provider, their bank or the law enforcement, a few end up hiring a lawyer to sue the company but after all these stress they still cant get their money back. Please everyone should be careful where they invest their money. Cryptocurrency has made many rich and at the same time made so many broke and desperate. Few weeks ago I was referred to the Crypto Recovery Wizard, and I was able to get back all my USDT coins that were Stolen through their services. If you want to recover your cryptocurrency that was stolen or lost I recommend that Crypto Recovery Wizard are reliable and trustworthy. You can contact them via Email: cryptorecoverywizard@gmail.com. They are one of the best Recovery companies in the world.

Stefano Alex | Feb 01, 2024

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Sophia Smith | Feb 01, 2024

Enduring the distressing loss of my BTC wallet led me to discover hope through Wizard Asset Recovery, a recommendation from a trusted friend. The team's cryptocurrency recovery experts showcased unparalleled professionalism and dedication. Upon reaching out, their immediate and meticulous approach, incorporating cutting-edge technology, provided reassurance. Going beyond expectations, the team explored every avenue to recover my lost funds, offering regular updates that kept me well-informed and confident. To my absolute delight, Wizard Asset Recovery successfully restored my BTC wallet, transforming despair into joy and renewing hope for the future. Their exceptional skills and determination had a profound impact on my life, and I wholeheartedly recommend their services to those dealing with cryptocurrency losses. To begin your recovery journey, reach out to Wizard Asset Recovery at Wizardassetrecovery (@) gmx.us . Don't let the distress of lost cryptocurrency funds persist – take the first step towards recovery with Wizard Asset Recovery.

Scarlett Miller | Feb 01, 2024

I was once lured into a crypto currency investment platform that I came across on Instagram. I lost about $508,000 to this evil scheme after I invested and accumulated profits, I was denied withdrawals on the specified date. I wrote to the customer support but I was given no feedback, I knew I had been scammed and I started to search for a way to recover my crypto.. I considered myself fortunate that I stumbled upon a post on the internet web about a Recovery Expert Jeanson James Ancheta wizard. I would highly recommend Jeanson James Ancheta wizard agent to anyone who wants to recover their lost funds from any scam. He is the best in the business and will do anything possible to help you get your money back. I never thought it would be possible to get back crypto once it is sent but I'm super happy and grateful for the services of Jeanson James Ancheta wizard. Kindly reach out to him if you need any help.(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.

Anastácia Joaquín | Feb 02, 2024

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LARRY NORBERT | Feb 03, 2024

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LARRY NORBERT | Feb 04, 2024

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Andrea Robertson | Feb 15, 2024

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Sophia Harlem | Feb 29, 2024

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Micheal M | Feb 29, 2024

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Paul Gilles | Mar 01, 2024

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Karina Taylor | Mar 02, 2024
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