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Steps for Obtaining a Residential Home Mortgage from a Bank or Credit Union

30 articles in All

Cataloochee Valley Elk Information

Seller's Agent Information

Attractions at Maggie Valley

Staging Your Home

Miniature Golf

Buyer's Agent

Upcoming Events

Purchasing Foreclosure and Bank-Owned Properties

Common First-Time Buyer Mistakes

5 Property Tax Questions You Need To Ask

10 Questions to Ask Your Lender When Financing a Home

8 Tips to Guide Your Home Search

5 Factors That Decide Your Credit Score

What You Can Do To Improve Your Credit Score

5 Things to Know About Homeowners Insurance

5 Things to Know About Title Insurance

10 Questions to Ask Your Home Inspector

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Lender Checklist: What You Need for a Mortgage

? W-2 forms — or business tax return forms if you're self-employed — for the last two or three years for every
person signing the loan.

? Copies of at least one pay stub for each person signing the loan.

? Account numbers of all your credit cards and the amounts for any outstanding balances.

? Copies of two to four months of bank or credit union statements for both checking and savings

? Lender, loan number, and amount owed on other installment loans, such as student loans and
car loans.

? Addresses where you’ve lived for the last five to seven years, with names of landlords if

? Copies of brokerage account statements for two to four months, as well as a list of any other major assets of
value, such as a boat, RV, or stocks or bonds not held in a brokerage account.

? Copies of your most recent 401(k) or other retirement account statement.

? Documentation to verify additional income, such as child support or a pension.

? Copies of personal tax forms for the last two to three years.

Used with permission from Real Estate Checklists & Systems,

If you have any questions or would like more information, please call us at 877-296-0400 or 828-926-0400, email us, or use our online request form.

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