Home Loan Application Checklist; St Louis Mortgage Watch

Paramount Mortgage Company - St LouisIf you have bought a house and are getting ready to apply for your home mortgage, or perhaps you are about to refinance your existing mortgage to take advantage of the dirt-cheap interest rates, this handy loan application checklist will help you be prepared and make the process smoother and quicker:

Loan Application Checklist

Property Information (if you already have a contract on a house)

  • Purchase Agreement with any and all addendums
  • If you are selling your current home, copy of listing contract/sales contract
  • If you have sold your current home, copy of settlement statement (HUD-1)

Income & Assets

  • Pay stubs for the last 30 days
  • For the past two years:
    • Names and addresses of each employer
    • W-2s
  • Statements for each bank, mutual fund, and/or investment account for the last three months (All Pages)
  • If you have made any large deposits to your accounts:
    • Explanation and source for deposit.
    • If large deposit was a gift:
      • Signed gift letter (lender can supply)
      • Copy of gift check
      • Copy of deposit receipt.
  • If you own more than 25% of a business:
    • Corporate or partnership tax returns.
  • If self-employed:
    • Tax returns for the last three years (all schedules)
    • Year-to-Date Profit and Loss Statement prepared by an accountant.
  • If you own rental property:
    • Tax returns for the last two years and current rental agreements
  • If you are retired:
    • Pension Award Letter
  • If you receive Social Security:
    • Social Security Award Letter
  • If you are counting child support as income:
    • Copy of divorce settlement/Court Order
    • Copy of twelve months of cancelled child support checks/Verification from the courts child support is being recdeived

Debts

  • Names, addresses, account numbers, balances and monthly payments on all current loans.
  • Explanation of credit report anomalies, including:
    • Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments     and/or liens.
    • Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans

  • Copy of DD Form 214, Report of Separation.

Miscellaneous

  • Photo ID and proof of Social Security number
  • Residence addresses for the past two years
  • If applicable, a copy of your divorce decree
  • If you are not a citizen, a copy of the front and back of your green card.

St. Louis Mortgage Interest Rates – October 6, 2010

  • 30-year fixed-rate  4.125% no points
  • 15-year fixed-rate  3.750% no points
  • 5/1 adjustable rate 3.250% no points
  • FHA/VA 30-year fixed rate  4.250% no points
  • Jumbo 5/1 ARM 3.625% no points
  • Jumbo 15 year fixed-rate  4.250%

For more information or if you have questions on mortgage rates in St. Louis you may contact me by phone at my direct line, (314) 372-4319, email at rfishel@paramountmortgage.com or you can visit our company website at http://www.paramountmortgage.com.

 

 


*Note- The above rates are based upon a typical sale price of $187,500 with a 20% percent down payment leaving a loan amount of $150,000 to a borrower with a 720 credit score for a loan with no discount points charged. Rates and terms will vary depending upon loan amount, home value, credit and income of borrower.

This information is provided by this author and this site for informative purposes only and is not warranted or guarteed in any way.

 

 

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