- Featured topic...Your Mortgage Application.  What will you be asked to provide a lender in order to apply for a mortgage or home loan? ...Home loans and mortgages in Dearborn, Dearborn Heights, Wayne County and Southeast Michigan...
Steve Hatfield - Dearborn Michigan Realtor - Century21 Curran and Christie - Steve Hatfield, Realtor, ABR, CRS, e-PRO
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Mortgage Application Documents List for Dearborn Buyers
What Dearborn Buyers Need When Applying for a Home Mortgage

Buying GuideBuying GuideBuying Guide
Mortgage Application

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!
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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!.
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An UNQualified Buyer's Agent...
How many Realtors do I need?
Say "NO!" to pushy agents
Dangerous home buying pitfalls...
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Foreclosures & Short Sales:
How to Buy Bank Foreclosures
How to Buy Short Sale Homes

Veterans Mortgages VA Loans:
Veterans: Buy a Home Zero Down!

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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
REALTOR Accredited Buyer Representative Certified Residential Specialist e-PRO

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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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