Mortgage Checklist
4.8/5 with 180 votes
Table of Contents
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- 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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Presented by:
Nicole Nichols-West
Stats
Views
78
Views: 78
Uses
6
Uses: 6
Tasks
29
Tasks: 29
Who it's for
This Mortgage Checklist is for anyone who wants a simple, practical way to get things done without missing steps.
- Avoid forgetting - keep all your Mortgage essentials in one place (external memory)
- Save time - start from a proven Mortgage structure instead of a blank page
- Stay on track - track progress, come back later, and keep momentum
- Coordinate with others - share the list and divide responsibilities
- Learn the process - follow the steps in a sensible order, even if it's your first time
How to use it
How to use this Mortgage Checklist
- Save Mortgage Checklist to your free Checklist account so your progress is saved and synced across devices.
- Customize it in the app: remove anything that does not apply, then add your own details for Mortgage (dates, sizes, addresses, notes).
- If others are involved, invite them to collaborate and divide responsibilities.
- Work through the list: check items off as you go, and set reminders for time-sensitive steps.
Rate this Checklist
5 stars
Scores 4.80 with 180 votes