The following checklist will facilitate your mortgage loan interview. The checklist includes most of the information that you and any co-borrower will need to supply.
In preparation for your loan interview, review the information below. We suggest you print this worksheet, then check each box after you've gathered the required data.
Social Security Number/Date of Birth |
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Paycheck
Most recent pay stub that shows year-to-date earnings. |
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W-2 Tax Forms
Original copies sent to you by the Internal Revenue Service for the past two years. |
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Employer Information
Names, addresses, and telephone numbers of employers for the past two years |
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Account Information
Account numbers and current balances of checking, savings, and any other accounts. |
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Current Assets
Individual Retirement Accounts (IRAs), CDs, stocks, bonds, etc. |
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Personal Property
Value of property that can include life insurance, retirement accounts, cars, etc. |
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Liabilities
Auto loans, student loans, credit cards, and other installment debt -- provide name and address of each creditor and the monthly payment and total amount due. |
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Current and Previous Addresses
If you own a home: Bring the property address, current market value, mortgage lender name, account number, current monthly mortgage payment, and outstanding mortgage balance. |
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Agreement to Purchase
A signed copy and any amendments, a copy of the listing form for the property, the legal description of the property, and receipts for or down payment deposits. |
In certain circumstances, additional information may be necessary for your application. These situations encompass various scenarios:
If your employment is self-driven or commission-based, it is advisable to provide your federal tax forms from the previous two years, along with a current year-to-date profit and loss statement.
For individuals who are separated or divorced, it is essential to furnish a copy of the divorce decree and separation agreement. Additionally, documentation pertaining to alimony or child support payments, whether paid or received, should be included. Verification of this income can be demonstrated through the clerk of court's payment history or canceled checks from the past year.
If your income involves sources such as pension, disability, Social Security, or other forms of public assistance, you should present a copy of an award certificate or a check issued by the relevant agency.
In cases where there has been a bankruptcy, foreclosure, or any judgments against you within the last seven years, it is crucial to provide pertinent details about these proceedings. This includes presenting a copy of the bankruptcy discharge and a comprehensive schedule outlining both debts and assets. If there are judgments against you, it is advisable to include an attorney's letter discussing the outcomes of these proceedings.
We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.
Effective Date: 9/1/2021
All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Pioneer Mortgage Funding Inc. is an Equal Opportunity Mortgage Broker headquartered in Tampa, Florida. This licensee is performing acts for which a mortgage broker license is required. Pioneer Mortgage Funding Inc. is licensed by the Florida Office of Financial Regulation, NMLS# 1936558. Pioneer Mortgage Funding Inc. is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. Pioneer Mortgage Funding Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA.
