How can we help?
We often have people asking questions about the mortgage process, how we can help, and what types of services we provide. Take a look at our most frequently asked questions and we will be sure to continue to add more questions over time.
Common Mortgage Questions
We do look at your credit, but our loan decisions are based on several factors, including Ability To Repay, Loan-To-Value, and Credit.
Below is a general list of items needed for loan approval. We may need additional items depending on your individual situation.
- Pay Stubs covering the most recent 30 days
- Most recent 2 years W2’s
- Most recent 2 years tax returns, all pages and all schedules
- Most recent Bank Statement (if printing online, make sure your name & account number appear on the statements)
- Most recent 401k/Retirement/Investment Account Statements – all (if printing online, make sure your name & account number appear on the statements)
- Driver’s License
- Employment contract for your new job
- Proof of any other income: Social Security Awards Letter, Pension Letters, etc
- For any real estate owned, provide a recent mortgage statement (monthly bill)
Call us at 865-246-1040. A quick 5-10 minute conversation is all it takes to get the process started.