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Loan Application Checklist
Home Loan Application Forms, Apply for a Loan Virginia
In general, the documentation you will need includes:
Check for application fee
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing 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.
Estimated value of personal property and furniture.
  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 (with 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.

Copy of twelve months of cancelled child support checks.

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.
Construction Loans
We offer a wide range of real estate financing to you achieve your financial goals
Free Loan Analysis
Take ten minutes to let us customize a loan program to fit your financial needs at no cost or obligation.

Fast Approvals
Tired of waiting days to find out a decision? Pre-Approvals issued 24 hours from time of application in most cases.

Serious Credit Problems
 We’ve got the loan programs for you! (prior foreclosures, bankruptcies, judgments, liens and charge-offs).

Low Rates
We search for the best available programs and rates:

Competitive Loan Products and Services:
• Purchases, Refinances and Equity Loans
• 100% Financing on many loan products
• High debt to income ratios
• No income verification (great for the self-employed).
• Low Credit Scrores
• FHA - VA Loans, Conventional Loans, Commercial Loans
• Over equity loans up to 125% ( no equity required)
• Down payment assistance

Click here to contact 1st Century Mortgage.
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