Stearns Home Loans
Buying Basics - Loan Application Information
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:
Check and Savings Accounts and Certificates of Deposit
Stocks, Bonds, and Investment Accounts
Life Insurance Policies
Liabilities and Other Non-Mortgage Debt
Other income information you may need
If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
If you have income from:
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
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:
If you've sold your home, closed, and you will use the proceeds for your new down payment:
If you rent
Name, address and phone number of landlords for the past 24 months
If you're buying a home
Purchase sales contract or offer to purchase and all addenda
If a source of your down payment is a gift:
Name, address and relationship of donor.
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
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Nicki Harlow - "I can help you!"
Whether you're buying, selling, or refinancing, it's important that you choose the right mortgage loan originator to guide you through the home loan process.
1851 E 1st St Suite 725
Santa Ana, California 92705
Licensing Information: Corporate NMLS#1854 | Employee NMLS #232259 | Branch NMLS #1151291