Check List

First Time Home Buyer Check List

We will be requesting the following information after your application is Pre-Approved

Documents Needed:

Social security number(s)
Name and address of all employers from the last two years with dates of employment
W-2 forms for the last two years
Paycheck stubs covering the most recent months pay
Bank statements for the previous two months. Also include institution name, address, account number(s) and balances for all accounts.
Account number(s), balance(s) and monthly payment(s) for all outstanding creditors: i.e., credit cards, car loans, student loans, signature loans, etc.
Previous addresses for the past two years.

Information That May Be Required:

If you are divorced: a copy of complete divorce decree along with any amendments.
If you pay alimony or child support: a "friend of the court" letter saying payment amount and showing the account is current or 12 months cancelled checks if paying directly to recipient.
If you are self-employed, employed in a family business, a tradesman, your income is based on commissions or you own rental property: you need tax returns for 1998 and 1999 complete with all schedules, and a signed year-to-date profit and loss statement.
If your present home is for sale or sold: a copy of the listing, purchase agreement or closing statement
If you have been renting during the past year: a list of names and addresses of all landlords (12 months cancelled checks will expedite your loan process).
If you have had a mortgage or land contract within the past year: provide the name, address and account number of lender (12 months cancelled checks will expedite your loan process).
If liquidating savings bonds or stocks for closing: provide proof of ownership.
For stocks: photocopy of most recent stock ownership statement or photo copy of stock certificates.
If You Are Purchasing a Home:
- Purchase agreement and all addendums signed by the buyer and seller.
- Phone numbers for the Realtors involved.
- Property information listing sheet or computer print-out indicating lot size, taxes, square footage and year built.
If You Are Refinancing:
- Copy of your current homeowners insurance policy showing dwelling coverage, annual premium and renewal date.
- Property tax statement
- Exact mortgage balance and escrow balance for current mortgage(s).
- Owner's title insurance policy
- If refinancing a land contract: a copy of the land contract and address of land contract holder.
- he most recent months pay
- Bank statements for the previous three months. Also include institution name, address, account number(s) and balances for all accounts.
- Account number(s), balance(s) and monthly payment(s) for all outstanding creditors: i.e., credit cards, car loans, student loans, signature loans, etc.
- Previous addresses for the past two years.
- Make and year of each automobile owned or leased, and current market value if owned.

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First Time Home Buyer Check List

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