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The following information will be required for a loan application:
- One month's period original pay stubs, with a year-to-date figure.
- Two (2) full years of work history, written with all dates and employers' names and complete addresses (when you started the jobs and when you left).
- If self-employed, last 2 years' personal tax returns, corporate/ partnership returns along with year-to-date profit and loss statement.
- Photocopies of your driver's license and social security cards. (If a resident alien, then a copy of your "green card")
- Photocopies of your three (3) most recent months' checking and savings account statements. If a passbook is involved, photocopy the name of the bank, account number and your name off the first page and then the most recent 3 months of transactions. (It is not necessary to copy the entire passbook.).
- Personal assets, year, model and value of cars, cash value of life insurance, stocks & bonds, value of furniture, jewelry, etc.
- All credit card numbers and addresses of where payments are sent. If you keep your most recent statements, a copy can be included for one month.
- All other loans, such as car, student, boat, truck and personal. Photocopy of the payment coupon with the account number and mailing address. Also include the monthly payment and approximate remaining balance.
- If you are divorced, a photocopy of your divorce decree is necessary. If child support is paid or received, proof will be needed - the court order and copies of the checks.
- If a house is being purchased, a copy of the deed or legal description from the town hall.
- A photocopy of the multiple listing or data sheet of home being purchased.
- A copy of your signed sales contract and all addenda.
- Contract of sale on present home being sold, if applicable.
- Real estate owned, loan number and addresses, balances and monthly payments.
- Verification of rental payment history, copies of your last 6 months of cancelled rent checks, front and back of the checks or the name and address of your landlord.
- CHFA Requirement: Last three (3) years Federal Income Tax Returns, signed. If you do not have your returns, call the IRS at 1-800-829-1040 and request an "Adjusted Gross Income Letter." The information will arrive in 5 to 14 days. All you need is your social security number when you call.
- A Personal Check or Money Order to cover the cost of the credit report and appraisal.
Serving Hartford, New Haven and Middlesex Counties
© Realty 3 - Carroll & Agostini. All rights reserved.