Your Loan Application
When you decide to invest in a home, there are several things you need to
have ready to obtain a home loan.  The more of these things you have
available at application, the sooner you will know if that specific lender will
give you a loan.  Remember.... just because one lender tells you they can't
make you a loan, does not mean another lender won't.  Here is what you need
listed below:

  • Copy of W-2 for the last 2 years
  • Year to date pay stub showing income year to date.
  • Contract of sale and legal description.  (Your realtor will provide.)
  • Latest 3 months bank statements (On all accounts)
  • All current monthly bills, including credit cards, account numbers,
    addresses, monthly payment, and the balance owed on each account.
  • Loan information on all real estate owned.
  • If you have recently sold a home, a copy of that closing statement.
  • Landlord's name and address to send rental verification.
  • Employer's name and address to send employment verification.
  • Copy of driver's license and or other photo ID.
  • Check for appraisal and credit report fee.
  • Divorce decree, if divorced.  (They are looking for alimony and child
    support payments.)
  • If self employed, last 2 years tax returns with schedules, YTD profit and
    loss, and balance sheets.
Welcome to:
Stones River Realty
(615) 469-0240

..."When It's Time To Come Home"