Mortgage Application Documents List for Dearborn Buyers What Dearborn Buyers Need When Applying for a Home Mortgage
Before you meet with your mortgage lender, it is always best to be prepared.
The following outlines some of the basic information and documentation your
lender will need to start your mortgage application process.
Employment Information Addresses for two full years Gross monthly income W-2's, if available Proof of pensions, retirement, disability, social security, etc. Proof of income from rentals, investments, etc. Proof of child support of alimony paid/received Year to date pay stub
If self-employed, you will also need: Two years 1040 Tax Returns Current year profit and loss statement
Creditor Information Each creditor's name, address and type of account Account numbers Monthly payments and approximate balances Amount of child care expenses
Banking Information Names and addresses of saving institutions Account numbers for all accounts Type of accounts and present balances
Miscellaneous Information List of assets in stocks, bonds, lands Life insurance cash value (documented if used as cash down payment) If applicant is using cash from sale of a home, a copy of sales contracts Social Security numbers for all parties Veterans- Certificate of Eligibility & DD-214 Cash or check to pay for application fee
No matter which mortgage program you are considering (fha mortgage, va mortgage, conventional mortgage,
fixed rate, adjustable, etc.), it is very important to be prepared when you speak to a mortgage bank / lender.
Also, remember that in order to secure a mortgage, your mortgage lender / banker will run a full credit report which will
reveal any past credit issues, defaults, late payments, bankruptcies, etc. you have had so it is a good idea to
be completely up-front with them during your first meeting / discussion. Even if you have past credit issues there may
be a mortgage program that would work for you. Generally mortgages written for damaged or bruised credit will have
additional fees or perhaps a higher interest rate. While this does not sound very attractive, it is worth considering
just so you can get your foot in the door and think about refinancing at a later date. The key is to investigate all your
options and ask your Realtor® for their opinion or lender referrals. A qualified, experienced agent can generally
give you suggestions that are very helpful.
You'll find tons of valuable tips and advice in Steve's "Home Buyer Survival Kit" Get your FREE Home Buyer Survival Kit now! click here
Buying a home is a BIG investment...don't pick the wrong real estate agent!
Steve Hatfield is a highly "Qualified" Buyer's Agent!
Honesty, sincerity, professionalism.
As a buyer, you will benefit greatly from his 20+ years experience and extensive knowledge! That is why you need to Contact Steve if you are thinking about buying a home!
Mission Statement
In the world of real estate, there is no substitute for experience. As an experienced real estate agent, I will guide you through the complexities of buying or selling a home, help you to achieve your goals and strive to make the final outcome exciting rather than stressful!
Whether you are buying a home or selling your existing home, please allow me the opportunity to assist you with your real estate transaction. I am prepared to exceed your highest expectations through exceptional service, reliable communication and knowledge of the local real estate market.
Steve Hatfield Realtor®, ABR, CRS, SFR, e-PRO
REALTOR® ABR, CRS, e-PRO Certified
CENTURY 21 Curran & Christie
25636 Ford Road
Dearborn Heights, MI 48127
Office: (313) 274-7200 Contact Steve Now
Michigan Real Estate Salesperson #6501221773
Licensed Realtor® Since 1987
Steve Hatfield, Realtor® provides real estate / home buying and selling services in Dearborn Michigan, Dearborn Heights Michigan, the Wayne County MI (Southeast Michigan) communities of Redford, Westland, Garden City, Livonia, Canton, Plymouth, Northville and the Oakland County cities of Farmington / Farmington Hills and Novi Michigan.
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