Finding a lender is the next most important decision.
Again,
someone that will take the time to listen to your needs will
be most critical. Remember, nothing has changed. It is still
all about YOU!
I have developed strong relationships with
world-class lending institutions that meet my service level requirements.
I will take the time to personally match you with the lender
that best suits your personality style and decision making processes.
Items to gather before meeting with
a lender:
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If you are salaried, two years' W-2 and all pay stubs within
the last month. If you are self-employed, two years' tax returns
and a year-to-date P&L statement. |
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Any gift letters, if you are using a gift from a parent or
relative or other organization to help pay the down payment
and/or closing costs. This letter simply states that the money
is, in fact, a gift and will not have to be repaid. |
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If you own rental property, provide rental agreements and
two years' tax returns. |
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Your bank account numbers and the address of your bank branch,
along with checking and savings account statements for the
previous 2-3 months. |
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Provide recent copies of any stock brokerage or IRA/401K
accounts that you may have. |
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Divorce settlement papers (if applicable). |
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If you are NOT a US citizen, provide us with a copy of your
green card (front & back) or if you are NOT a permanent resident,
provide us with your H-1 or L-1 Visa. |
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