Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

1. Complete and sign the residential loan application, Form 1003, and the attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout.
2. If you are salaried: provide W-2's for the previous two years and one month of paystubs. If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.)
3. If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules.
4. To speed up the approval process, provide bank statements for the most recent three months, and recent statements for stock, mutual funds and IRA/401K accounts.
5. If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
6. If applicable, provide a copy of your divorce decree and settlement agreement.
7. If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
8. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
9. If you are applying for a home equity line of credit or loan (second loan), also include your first mortgage note. (This should be with your closing loan documents.)

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The Lending Company - 6910 East Chauncey lane # 205 - Scottsdale, AZ 85254
Office Phone: (480) 390-2123 Fax: 480-323-2909
E mail: MBongiovanni@thelendingco.com &: FHALoanAZ@Yahoo.com

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BK-0909441  Bank Number can be verified at the "Arizona Department of Financial Insitutions" web site:  www.AZDFI.GOV 

 Manny offers a quote for a refinance, home mortgage or consultation. We specialize in Arizona FHA loans and offer competitive rates for the following cities: 

Phoenix, Scottsdale, Tucson, Mesa, Glendale, Chandler, Gilbert, Tempe, Peoria, Surprise, Yuma, Ahwatukee, Buckeye, Avondale, Sun City, Queen Creek, Maricopa, Casa Grande, Apache Junction, Cave Creek, Care Free, Yuma, Prescott, Prescott Valley, Cottonwood, Sedona, Flagstaff, Winslow, Showlow, Holbrook, Kigman, lake Havasu, Parker, Bullhead City and More! 

 

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