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The Red Wagon Team

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Long Beach Real Estate

 

The Red Wagon Team
Main Street Realtors

244 Redondo Avenue
Long Beach, CA. 90803

 

 


 

Southern California Loan Application Checklist for Consumers

Buying a Home Tips

Mortgage Tips

Loan Types
Choosing a Lender
Lender Title Insurance
Getting Pre-Approval?

Factors for Loan Approval
Apply Online
Loan Checklist
Questions to Ask Lenders

 

Selling a Home Tips

Relocating Tips

Real Estate Glossary

 

 

General:

  • Picture ID and Social Security Number

  • Payment to cover application fee.

  • Name and complete address of all landlords (past 2 years).


Income Documentation for the Lender:  bring copies of the following documents
 

  • Employment history, including names, addresses, phone numbers, and length of time with that company (past 2 years).

  • Copies of your most recent pay stubs and W-2 form (past 2 years).

  • Verification of other income (social security, child support, retirement).

  • If you are self-employed: Copies of signed tax returns including all schedules (past 2 years), and a signed profit and loss statement of the current year.

  • If you are retired: Tax returns (past 2 years).

  • If you have rental property income: Copies of all lease agreements.
     

Assets:

  • Copies of all bank statements from checking/savings accounts (past 3 months).

  • Copies of all stock/bond certificates and/or past statements/retirement accounts.


Creditors:  who do you owe bills too?
 

  • Credit cards (account numbers, current balances, and monthly payments).

  • Installment loans (car, student, etc.) Same details as for credit cards.

  • Mortgage loans (property address, lender with address, account numbers monthly payment and balance owed on all properties presently owned or sold within the last 2 years).

  • Childcare expense/support (name, address, phone number).


Other Documents:
 

  • Bankruptcy bring discharge and schedule of creditors

  • Adverse or bad credit issues bring letters of explanation.

  • Divorce bring your Divorce Decrees, property settlements, quitclaim deeds, modifications, etc.

  • VA only bring Form DD214 and Certificate of Eligibility.

  • Retirees bring retirement and/or Social Security Award Letter.

 
 
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Disclaimer. All information provided is deemed reliable but is not guaranteed and should be independently verified.  Properties subject to prior sale, or rental.  Properties are listed for sale by all of the Southern California real estate companies.  We are able to show you any home listed for sale by any real estate company.

Realtor® -- is a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict Code of Ethics.  All members of The Red Wagon Team, are licensed real estate agents with the State of California and are members of the National Association of Realtors® and the local board of Realtors®.


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