Neighborhood Mortgage

The following information is usually required during the loan process: • Your Social Security number • Current 30 days of pay stubs • Tax returns with W-2s for the past two years • Bank statements for the past two months • Investment account statements for the past two months • Retirement account statements for the past two months • Driver’s license • Purchase and sale (if applicable) • Any divorce paperwork (if applicable) • If newly married a marriage certificate • Current rental company information or if a private party, 12 months of canceled checks • Proof of source of funds for down payment such as a bank statement or a gift letter • Any bankruptcy paperwork (if applicable) or foreclosure or short sale paperwork (if applicable) Additional paperwork is needed if you currently own real estate: • Mortgage account information • Home insurance policy information • Home equity account information (if applicable)

Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your lifestyle and saves you money. Throughout the loan application process, we provide you with regular updates. You can also e-mail us with questions or new information. If you want assistance, a licensed mortgage advisor who can answer questions for you is just a phone call away. Here’s an overview of the loan application process: 1. Apply now! Getting started is easy. Before you start shopping for your home, get pre-approved for a mortgage. This will allow you to find out how much house you can afford. You can complete the loan application through our website. If you already selected a property, the next step is to complete your loan application. To get started, select an application. At the appropriate time, we’ll order a property appraisal for you. 2. Your loan is approved and funded. Your real estate agent or the seller will designate an escrow or title company to handle the funding of your loan, along with many other factors that make your purchase go smoothly. We will coordinate with the escrow team, and you’ll sign the final papers at their office. It’s simple, straightforward, cost-effective, and FAST!