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APPLYING
FOR A HOME LOAN IS SIMPLE...
Select
the option that is most convenient for you!
> Complete
Application: <
We recommend filling out this loan application
if
you are prepared and
ready to apply today. Complete this
application
online, then one of
our professional, experienced
mortgage
consultants will review your
application
and contact you to discuss
your options.
> Short
Application: <
This will only take a few minutes, but will
give us the basic information needed
to get started, or do a FREE Mortgage Check-Up on your current loan.
> Application
by Phone: <
If you would
prefer to speak with a mortgage consultant by phone,
give us a call at 618-462-0410, we can
take your application over the phone.
LOAN
DOCUMENT CHECKLIST
A
properly documented loan application will help your
loan process go smoothly. Please use this checklist
to help you gather your loan paperwork.
*
Complete and sign the residential loan application, Form 1003, and
the attached
loan info sheet, credit authorization and fair lending
notice. Page 4 of the application
\is
a continuation page in case you need additional space for your
assets or liabilities.
If you
make a mistake while filling out the application cross it out,
and make a change.
Do NOT use whiteout.
* Copies of your Drivers License and Social Security Card
* If you are salaried: provide W-2's for the previous two years and one month
of paystubs.
If you are self-employed, provide tax returns for the previous
two years, including all
schedules, and a YTD profit and loss statement. (Note:
provide copies of all
requested documents. Do not provide original documents.)
* If you own rental property, provide recent rental agreements and
tax returns for the previous two years, including all schedules.
* To speed up the approval process, provide bank statements for
the most recent three months, and recent statements for stock,
mutual funds and IRA/401K accounts.
* If you are requesting a cash out refinance, provide a letter
explaining how you will use the refinance proceeds.
* If applicable, provide a copy of your divorce decree and settlement agreement.
* If you are NOT a US citizen, provide a copy of your green card
(front & back).
* If you are NOT a permanent resident provide a copy of your
H-1 or L-1 visa.
* If any borrower has filed bankruptcy, provide the Discharge Notice,
Filing and Schedule of Creditors.
* If you are applying for a home equity line of credit or loan (second loan),
also include your first mortgage note. (This should be with
your
closing loan documents.)
If you have any questions, do not hesitate to ask!
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