What information will be needed for the application (and how it's kept private)

Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

When you are ready to make your loan Applicationplease call me at 678-773-0651 and we can get started.

Here is a list of the information mortgage lenders will use to consider your loan application.

For all loans

  • Social Security Number, for borrower and co-borrower if any
  • Date of Birth for borrower and co-borrower if any
  • Most recent 2 yr residential history
  • Employment History
    For the last two years, employment dates, addresses, salary.
    Current pay stubs or W-2 forms.
  • Check and Savings Accounts and Certificates of Deposit
    Location of bank accounts, account numbers and balances;
    Address of bank if out of town
    Last 2 months' statements are generally needed
  • Stocks, Bonds, and Investment Accounts
    Last 2 months' statements or copies of stock certificates
  • Retirement Plan
    Approximate vested interest value
    Copy of latest statement
  • Other Assets
    Market value of personal and household property

Other income information you may need

If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
In some cases, a current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:
Rental Property
Notes Receivable
If any of the above exist, you'll need two years' personal federal tax returns

If divorced or separated
Complete executed divorce decree and settlement agreemesnt
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

If you own real estate

Address of all properties owned, along with current estimated value, balance and monthly mortgage payment.

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement from the closing of that loan

If you rent

Name, address and phone number of landlords for the past 24 months. It is very important for some loans that the monthly rent be paid by check, especially if renting from a private individual, versus a property management company.

If you're buying a home

Purchase sales contract or offer to purchase and all addenda

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications


English Spanish