How to Get a Home Loan

To speed-up the application and approval process you should have the following items available for your loan officer when you apply for a mortgage loan:

  • Two most current years of tax returns (1040 and all schedules) including W2’s and/or 1099’s
  • Your two most recent pay stubs covering a full 30 days
  • Your two most recent months of bank statements for all checking and savings accounts
  • A copy of your current mortgage statement (if a refinance)
  • Contact information for your home owners insurance agent
  • Your driver’s license and social security card
  • Two years of residential and employment history complete with addresses and phone numbers
  • Divorce decree if divorced in the past seven (7) years or paying or receiving child support or alimony (if child support or alimony will be used as qualifying income for your loan)
  • Bankruptcy papers if a bankruptcy was filed in the past ten (10) years
Please feel free to contact me at 801-971-7916 with any questions you may have.