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Melissa Kerick
Cell : 908-343-9862
Office : 862-268-8305
Fax: 800-746-9601
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Apply for a Mortgage Loan
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Applying for a mortgage need not be a frustrating element of the home buying and refinancing experience.
It only requires four (4) steps to complete:
- APPLY - Choose the most convenient way to apply: phone, fax, mail or by appointment.
- PRE-APPROVAL - You can have your pre-approval letter after initial review of your loan documentation.
- PROCESSING - Processing will expedite the packaging and underwriting of your mortgage application.
- LOAN FUNDING - Upon approval your loan docs will be drawn and delivered for signing, closing and recordation.
You can submit your application by phone, fax, mail or appointment. |
What Documents will you need to provide?
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You will only need to provide items listed below
that pertain to your specific situation: |
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Completed 1003 Application |
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Copy of ratified sales contract |
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Pay stubs for the last 30 days |
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Last two (2) years complete tax returns |
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Last two (2) years W-2 and 1099 forms |
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Award letters for social security or disability income (if applicable) |
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Recent copy of stock brokerage or IRA, 401K accounts |
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Checking/Savings accounts and other assets information including institution's name, addresses, account numbers, and last three (3) monthly bank statements |
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Mortgage statements on all open real estate loans (including rentals) |
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Rental agreements (if you currently have tenants) |
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Name and address of current landlord (if applicable - purchases only) |
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Cash out letter explaining intended use for any extra cash out |
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Gift letter and evidence of funds (if applicable - purchase only) |
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Letter of explanation for any derogatory credit |
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Complete bankruptcy papers (if applicable) including copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy |
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If you are not a US citizen please provide a copy of your green card (front & back) |
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If you are not a permanent resident provide us with your H-1 or L-1 visa |
| If self-employed you will also need: |
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Current business license |
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A year-to-date profit & loss statement |
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K-1 forms (if applicable) |
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Partnership and/or corporate tax returns (if applicable) | |
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