Application

Once you've found your home and the seller accepts your offer, it's time to apply for a mortgage loan.  We've made the application process simple by taking your application over the phone, in-person or online using the link below.

To complete the application, you will need to have the following information available about yourself and any co-borrower:

The documents you need to supply may include the following:

• Names, birthdates, current address, phone number and social security number for each borrower
• Previous addresses for borrowers who have been at their current address for less than two years 
• Names and addresses of all employers within the past two years for each borrower
• Borrower’s gross monthly income (including bonuses, dividend and interest income, as well as secondary income sources, if applicable)
• If refinancing, the loan amount you’re seeking, the current market value of your home, the year purchased and the original purchase price
• If purchasing, and if known at the time of application, information about the property (i.e. address, estimated purchase price, estimated down payment, etc.)
• Information about your assets and liabilities  

After you’ve made the decision to continue with the loan process, we may ask you to provide us with the following information to verify the data provided in your application:

• Pay stubs (for the last two pay periods)
• W-2’s (for a period of at least two years)
• Federal Tax return(s) (for a period of at least two years)
• Bank statements (for a period of at least six months)
• Purchase agreement 
• Brokerage, mutual fund or IRA/401K statements (for the last three months) 
• If planning to use child support or alimony for repayment, we may ask for copies of court documentation showing that income will continue. 
• If self-employed, quarterly or year-to-date profit/loss statements 
• If receiving social security, disability, unemployment, pension, death benefits, adoption assistance, public assistance or other type of government assistance, a copy of the benefit statement or letter stating the amount, frequency and duration of the benefits may be requested. 
• If you own rental property, the last two rental agreements and the last two tax returns showing rental income 
• If you are paid by commission, the last two federal income tax returns with all schedules 
• Other similar information

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