Real Estate Resources

• What types of mortgages do you offer? (Conventional, FHA, VA, USDA)
• What is the current interest rate and APR?
• What are the closing costs and fees?
• Is the rate locked? For how long?
• What is the down payment requirement?
• Do you offer any first-time homebuyer programs?
• What documents will I need to provide?
• How long does the approval process take?
• Are there any prepayment penalties?
• What is the monthly payment estimate including taxes and insurance?

Personal Information:

• Valid photo ID (driver's license or passport)
• Social Security card or number
• Proof of residency (utility bills, lease agreement)

Income & Employment:

• Last 2 years of W-2s
• Last 2 years of tax returns (with all schedules)
• Recent pay stubs (last 30 days)
• Proof of other income (bonuses, commissions, alimony, etc.)
• If self-employed: Business tax returns, profit & loss statements

Assets:

• Last 2-3 months of bank statements (all accounts)
• Investment account statements
• Retirement account statements (401k, IRA)
• Gift letter (if receiving down payment assistance)

Debts & Credit:

• List of all debts (credit cards, auto loans, student loans)
• Explanation of any credit issues or late payments
• Divorce decree or separation agreement (if applicable)

Property:

• Purchase contract (once under contract)
• Property appraisal (ordered by lender)
• Homeowners insurance quote
• HOA information (if applicable)