Save time completing your mortgage loan application. This Mortgage Borrower’s Checklist will help you gather most of what’s needed by mortgage lenders.
Personal Information:
This is important for two reasons: first, it helps verify who you are, and second, it helps paint a picture of how stable you are. If you've moved dwellings and changed jobs frequently over the last three years, you should have a good reason for doing so to avoid those changes becoming a stumbling block in your loan application.
Every home address you've had for at least the last two years; longer is better.
Employment history of each person whose name will be on the mortgage for at least the last two years. Make sure you include the dates you were employed and the name, address, and phone number of that employer. It's helpful if you also have the names and phone numbers of your direct manager and your personnel office.
If you're divorced, a copy of the decree. Any other similar judgment or dissolution should also be added to the list.
Financial Information:
If you're employed by someone else, bring with you:
Enough current pay stubs to verify at least the last 30 days of your income as well as your income year-to-date. Overtime, commission, and bonuses should all be noted.
W-2s for at least the last two years.
Information about any automatic payroll deductions, voluntary or involuntary.
If you're employed by someone else, bring with you:
At least the last two years of your federal tax returns, including all schedules.
At least two years of corporate or partnership tax returns including schedules.
At least two years of your balance sheets and profit/loss financial statements.
If you are retired, disabled, or otherwise not employed, bring all of the following that apply:
Copies of your most up to date Social Security Award letters.
Copies of your most recent retirement or pension check, or a copy of the bank statement showing the deposit with information about the source of the cash.
The most recent copy of any disability award letters
Everyone should bring the following:
Bank statements for all accounts you wish considered in the loan that cover the last two months
An itemized list of monthly bill payments including:
o Rent
o Mortgage
o Credit Cards
o Installment Loans
o Student Loans
o Child Support Payments
Loan Paperwork:
If you've done any paperwork already toward getting your mortgage or toward purchasing a home, bring it. Especially bring any applicable signed purchase agreements. Finally, be prepared to pay a fee to fund the credit check your loan company must do prior to approving your loan.
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Azienda leader nell’ intermediazione immobiliare e promozione turistica a Porto Rotondo e per le ville di prestigio in tutta la Costa Smeralda. I 25 anni di esperienza hanno ormai consolidato ed affermato l’ azienda a livello internazionale. Lo staff della Socoin, ha raggiunto da tempo un altissimo grado di professionalità, riuscendo a soddisfare appieno le numerose richieste dei propri clienti.La società ha la fortuna di svolgere la sua attività in una delle zone più affascinanti del mondo, fra spiagge paradisiache bagnate da un mare color smeraldo ed inebrianti profumi mediterranei. Il Nord Est Sardegna meglio conosciuta come Costa Smeralda, è un angolo magico di questa terra antica, dove cultura millenaria e folklore si fondono mirabilmente con mondanità ed eleganza, in una modernissima concezione di vacanze, grazie ai modernissimi porti turistici, i campi da golf e le varie strutture ricettive e sportive. Oggi Porto Rotondo e Porto Cervo sono luoghi dove gli ospiti vengono coccolati e viziati sia dal lusso che dalla semplice bellezza del territorio.La tradizione ed il carattere di quest’isola collocano l’ospitalità al primo posto fra i molteplici pregi naturali.L’esperienza maturata nei 25 anni di attività permette alla Socoin di poter offrire ai propri clienti una consulenza su misura sia per i loro Investimenti in Costa Smeralda (acquisto e gestione di ville e appartamenti) che per le loro vacanze con una grande offerta di dimore in affitto ( anche settimanale per gli appartamenti ) dove è possibile godere la lunghissima (da maggio ad ottobre), profumata, fresca estate della Sardegna.Affinché le vostre vacanze siano ancora più spensierate e piacevoli, siamo tra le pochissime Agenzie Immobiliari in grado di fornire tutti i servizi, quali cuochi qualificati, colf, domestici, giardinieri, manutentori, per il periodo e le ore di cui avete bisogno.Socoin Porto Rotondo srl
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Kobold Messring GmbH, established in 1980, is one of the leading international instrumentation engineering enterprises known for its patentable technology, high quality products and superior service. The Kobold brand name is synonymous with quality and technological advance.
The company offers battery-powered digital pressure gauges with LCD display, analogue output 1 adjustable limit contact option: analogue output 0-2 housing; PA, glass fibre strengthened; Model. MAN-SD; pressure ranges: -1 to 0 bar; 0 to 600 bar. Housing diameter: 74 mm; tmax: 70ºC; overload protection: x 1.5; connection: G ½ male, stainless steel; accuracy: ±0.5 per cent of full scale.
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