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All The Paperwork You Need To Apply For A Mortgage

All The Paperwork You Need To Apply For A Mortgage

The process of getting a mortgage starting from the process of applying for a loan until you close on your property is a long and winding road. The first step is to gather information about the process and apply for a loan through a bank or broker. The application process requires several documents that you should prepare before applying for the loan to make the process go as quickly as possible.

Tax Forms or Profit and Loss Statements
Lenders want to have proof of income for the past two years in the form of your last two years of tax returns. Have these ready or you might not be able to secure the loan. If you’re self-employed, keep copies of your profit and loss statements as proof of your income.

Assets
Proof of your assets is also required. The documents you’ll want to have ready are the past two months of bank statements for both savings and checking accounts. Include proof of other assets such as stocks, bonds, IRAs or CDs. If you own other property, include the address and payment details of that loan.

Residential Proof
Provide proof of your residential address for the past two years. The bank will also want to know the name and address of your landlord if they want to contact them for information on your payment history.

Debts
Your other debts play a large part into being approved for a loan. Have your information, especially if the information isn’t listed on your credit report, about the creditors, minimum monthly payments and current balance on the account.

Prepare yourself appropriately when deciding to purchase a home. You’ll be more prepared for the process if you go into the bank knowing the documentation that they’ll expect, giving you more time to properly prepare and make copies of.

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