The Mortgage Loan Application Process includes the following:

• Employment Verification
• Typically we need to verify 2-years of Employment
• Income Verification
• Tax Returns & Recent Paystubs will be used to verify Income
• Asset Verification
• Refinance loans typcially require verification of 2 months Reserves
• Purchase Transactions require verification of Down-Payment & Funds for Closing
• Credit Verification
• Credit will be verified from 3 Credit Bureaus

In order to help understand the process of obtaining a mortgage, I am including various links to pages on my web site that will help answer your questions about the process and requirements:

• Documenting Assets
• Getting Pre-Approved
• Maximum Mortgage Calculations
• 5 Ways to Get Your Loan Faster