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What to expect when applying for a mortgage

Thinking about buying a home, here are 13 items you should expect to bring with you to your appointment with your banker.
1.W-2 Forms-most recent 2years

2.Paystubs-most recent 30 days

3.Self Employed-most recent 2 years complete tax returns personal & business

4.Bank Accounts-most recent 3-months statements (all pages even if one is blank)

5.401k and Brokerage accounts-most 3 months statements (all pages)

6.Landlord name, address, and phone # if you rent

7.DD214 & Certificate of Eligability (Va only)

8.Sales agreement for old and new properties (if applicable)

9.Construction agreement, plans, specs, (if construction or rehab)

10.Contract for home being sold (if applicable)

11.Application Fee (If applicable)

12.Check for Credit and appraisal fee (if applicable)