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What you need to start a loan?

These are the items we will initially need to process your new home file:

1.       Driver’s License

2.       Copy of Social Security card- Must be updated if you have changed your name-we can order if you do not have

3.       30 days of pay stubs- If you get paid weekly-last 4  bi-weekly-last 3  twice a month-last 2 once a month-last 1

4.       All w2s from  2013 and 2014-2015

5.       All Federal Returns for  and 2013 and 2014 and 2015 if you have filed

6.       If you have received any 1099’s or K1s for any of the past 3 years we will need these along with any business returns you have filed

7.       If you take any unreimbursed business expenses on your Federal taxes please let us know before we qualify you

8.       Proof of any other income you receive.  Ie. Social security awards letter, Pension letter child support or alimony if you are using as income

9.       Last 2 months of bank statements.  These must be in the mailed out format with your name, bank name, full account number and running balance

10.   Last 2 months of any retirement, stock or other asset account.  See above.

11.   Divorce decree from any previous marriage.

12.   We will need you to print original payment information on any student loan in your name.  This includes any that are active, in deferment or forbearance.

13.   If you currently own any home we will need the most current mortgage statement and any HOA dues information.

14.   Please provide a ratified contract and/or name of your agent

 

During this process please do not make any large deposits, incur any other credit inquires or quit your job!

You can fill out an application online to start this process. If you would like to use a lender we have had great transactions with, please visit Donna Williamson, tell her we said hello! Her website is secure so don't worry about keeping your information safe, she has it covered!

You can find her here:   http://donnawilliamson.benchmark.us/

 

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Heather Southard- 843-697-0810
Reid Wyly 843-810-2810

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Carolina Estates Realty    Phone: 843.654.0119

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