What information will be needed for the application (and how it's kept private)
Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

For All Loans
Social Security Number, for borrower and co-borrower if any

• Employment History
For the last two years, employment dates, addresses, salary.
Current pay stubs or W-2 forms.

• Checking and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers and balances;
Address of bank if out of town
Last 3 months' statements

• Stocks, Bonds, and Investment Accounts
Broker's name and address, description of stocks, bonds, etc.
Last 3 months' statements or copies of stock certificates

• Life Insurance Policies
Insurance company, policy number, face amount, cash value, if any

• Retirement Plan
Approximate vested interest value
Copy of latest statement

• Automobiles
Make and model of automobiles, their resale value

• Other Assets
Market value of personal and household property

• Liabilities and Other Non-Mortgage Debt
Creditors names, addresses, account numbers
Monthly payments and balances

Other Income Information You May Need
• If you are self-employed:
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

• If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

• If employed in family business
Personal federal income tax returns and all schedules for the past two years

• If divorced or separated
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

If You Own Real Estate
• Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

• If you've sold your home but not closed:
A copy of the sales contract

• If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement

If You Rent
• Name, address and phone number of landlords for the past 24 months

If You Are Buying a Home
• Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller

• If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

• For FHA Financing
Evidence of Social Security Number and photo identification

• For VA Financing
DD214 and Certificate of Eligibility

• For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications

Apply for your Virginia Mortgage Home Loan Today