Saturday, November 3, 2012

Explain Mortgage Loan processing

The documents required for processing the loans are:

Signed copy of agreement of sale or copy of deed if refinance

Current pay stubs and w2 for the past 2 years

Name and address of employee for past 2 years

Details of all other continuing sources

Name, address, account numbers and balance like checking, saving, stock account

Gift complete details on all monetary gifts

Name, addresses, account number and balances for

Charge accounts-personal loans

Auto loans-student loans

Current mortgages

Alimony and child support payment


VOE – verification of employment

The lenders expect to see variations of less than 15percent

Date of employment

Present position

Type of income (base, overtime, commissions, bonus, military)

Current and past 2 years income

Probability of continued employment, bonus or overtime

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