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Use this list!- Limit
- Determine your mortgage limit
- Create your expense snapshot - listing all expenses in your current budget
- Estimate potential homeowner expenses and include them in your snapshot
- Estimate your monthly payments using an online calculator
- Calculate your debt-to-income ratio to determine your mortgage limit
- Decide how you will make a down payment and how much
- Your Credit
- Check your credit
- Load type
- Determine the type of loan that is best for you.
- Lender
- Choose a lender, or several lenders
- Get pre-approved
- Paycheck stubs for the last 30 days
- One W-2 tax return if you've had your job for over two years, or two if otherwise
- Recent credit card statements
- Two bank statements over last 90 days
- Proof of pensions, retirement, disability, or Social Security
- Proof of income from rentals, investments, etc.
- Proof of child support or alimony paid/received
- Loan information on current home (if you own one)
- 401K statements
- Divorce decree (if applicable)
- Get a Good Faith Estimate of fees as a part of your pre-approval.
- Rates
- Lock in your rates.
- Closing
- Bring all documentation to the closing.
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Mortgage Checklist was written by Nicole Nichols-West. If you liked it, please share it using the buttons below:
