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I was just on the phone with a potential client and they were kinda in a huff over what kind of papers they would need to bring to a lender when buying a home. It doesn’t matter if you are a first time home buyer or a seasoned one. You will always need these documents before beginning your home search so you know how to budget yourself for a home and how much you can afford.
I called my one of my favorite lenders in the area Ryan Larussa who works with GMFS lending to ask what forms his company requires. He was quick to respond with this.
GMFS loan application checklist-
- Legible copy of drivers license
- Pay-stubs covering the last 30 days
- Past two years of employment history and human resources contact name with phone number of both the employer and the human resources department.
- The past 2 years W2’s and 1040’s
- Proof of Pension, Retirement, Annuity, VA, Social Security, etc. income
- All Asset Statements with -ALL NUMBERED PAGES- most recent 2 months, This includes: Checking and Savings accounts, Stock, Bond and Mutual Fund Accounts, CD’s, IRA and 401K accounts. Also, your down payment/closing costs must be sourced Meaning it must be in the account of where it will be coming from for at least 2 months.
- Current mortgage statements if you own a home currently and all property owed with insurance declaration pages and property taxes.
- Any copies of Divorce Decrees and Child Support/Alimony Judgements.
- ******** Self Employed or commissioned borrowers are required to provide income tax returns for the P&L of the past two years and any other possible documents to prove income. Please discuss your situation directly with the lender prior to loan application and the lender will let you know what further information will be needed.
- ******** VA loans– will need to provide a copy of your most recent DD 214 and Certificate of Eligibility directly from the VA.
Even though this checklist is specific to GMFS lending, it really is good for any lender you are shopping to get the best idea of your specific loan needs. Have these documents ready before you speak to a lender and it will make the process SO much less stressful. Buying a home doesn’t have to be a hassle if you have the right people guiding your way.
“Because YOU matter”
#Yourrealestatewhisperer