Organize your Documents
When meeting with your Loan Originator, it is always helpful to have this information available:
- Form of Identification (Driver’s License, Passport, etc)
- Previous 2 years’ tax returns and W-2s
- Last 3 consecutive paycheck stubs (5 if paid weekly)
- Name, address, and phone for past 2 years’ residences and landlords. Renters need proof of 12 months’ rent payments.
- Last 2 months’ statements for savings, checking, CD, money market accounts, etc.
- Recent statement on retirement accounts (IRA, 401K, 403-B, Annuity, etc.)
- If applicable, divorce decree
- If applicable, bankruptcy schedules/discharge papers
- If not a US citizen, provide a copy of your green card (front & back). If not a permanent resident provide a copy of your H-1 or L-1 visa.
Get Qualified
How much are you qualified to borrow?
When buying a home, your Realtor will often ask if you have been pre-qualified. Whether on the phone or on the Internet, you can be pre-qualified in mere minutes.
It’s always a good place to start as a lot of your questions can quickly be answered.
The benefits of a “PreQual” are:
- Informs you of your maximum affordable home value. Saves you from previewing properties outside your price range.
- Improves your negotiating position
- A PreQualified loan helps you close quickly.
Contact Loan Officer
Let the Loan Specialists at Lending Hand Mortgage shop the loan programs that best fit your needs.
Some of life's hardest financial decisions include buying a home, refinancing a mortgage, or obtaining a home equity loan. 
