Thinking of making your dream of homeownership a reality?

Applying for a mortgage is the official beginning of the home loan process. Basically, a mortgage application involves sharing your (and any co-borrowers) personal financial information with a loan officer to determine your eligibility for a particular loan program. 

Below are some financial resources you may find beneficial:

Lakeland Mortgage
Cornerstone First Mortgage Down Payment Assistance Program
NJHMFA Down Payment Assistance Program
Bank of America’s Community Homeownership Commitment®

The following information must be supplied in order to begin your loan approval process.

1. Where Your Down Payment is Coming From (Purchase Only) 

  • Gift
  • Checking
  • Savings
  • Other

2. Last 2 Years W-2s

3. Last 2 Years Personal Tax Returns Filed with IRS (All Schedules, please)

4. 30 Days Current Pay Stubs

5. 2 Months Most Current Bank Statements for All Accounts (All Pages)

6. Investment Account/401K and Retirement Statements (Most Current, All Pages)

7. Homeowners Insurance Agent Name and Number

8. Copy of Mortgage Statement

9. Proof of Taxes/Insurance/HOA - Other Properties

OTHER HELPFUL REQUESTS

VA Loans

  • Copy of DD-214
  • Certificate of Eligibility

USDA

  • Proof of Income for Non-Borrowing Household Members

If Retired

  • Social Security Award Letter
  • Pension Award Letter
  • Last 2 Years 1099s

If Applicable:

  • Copy of Mortgage Note/Agreement for Sub 2nd
  • Copy of Permanent Resident Alien Card(s)/Visa
  • Divorce Decree
  • Child Support Order
  • Bankruptcy Papers and Discharge Notice
  • Rental Agreements for All Properties Owned
  • Copy of Driver’s License

Caring and always accessible, we are tenacious, enthusiastic and never afraid of hard work.

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