Employed Borrowers (with a W-2)Paystubs (totally one month)Retirement Statement (most recent)*SSI Disability Requirement - SSI Reward Letter

Required for all BorrowersPre-Approval Required DocumentsW-2’s (2 years)Drivers LicenseTax Returns (2 years)Bank Statements (2 months- all accounts)

Self-Employed Borrowers (1099/Schedule C/Schedule S, etc.)

Tax Returns (2 years; Personal and business with statements and schedules)Retirement Statement (most recent)*SSI Disability Requirement - SSI Reward Letter

Veteran (VA) Borrowers Pension Reward letterSocial Security Reward LetterSocial Security Card

Retired BorrowersSocial Security Reward Letter & 10992 years W-2’s (where applicable)Social Security CardRetirement Statement (most recent 2 months)

Social Security Income BorrowerVA Benefits Award LetterSocial Security CardRetirement Statement (most recent 2 months)

The Mortgage Process 14 Easy to Follow Steps! Your Mortgage Pre-Approval – Meet with your personal Mort - gage Advisor to find out your buying power and determine your mortgage overview.

Start your Application – Your Personal Mortgage Advisor will collect your documents and submit your loan for disclosure

Home Search – Your Realtor will show you the homes you qualify for and keep you up-to-date with new listings

Making an o�er – Your realtor will write up a purchase contract. You will need to put down a small deposit, then negotiations begin.

Contract Negotiations and Contract to Sale – Your Realtor will negotiate with listing agent and seller. Once the contract is fully executed your attorney will review the contract.

Scheduling A Home Inspection – This is when you find out if there is any issues with your home. You and your realtor can be there.

Acknowledgement of Loan Application – At this point you will sign your mortgage application and submit any additional docu- ments requested.

Appraisal of Property – Your Realtor will schedule with the appraisal management company to determine the property’s value.

Underwriting – Your loan goes for o�cial review, approval, and the loan is committed to.

Closing Disclosure – Your closing disclosure will come out 3 days prior to your closing settlement date, which will need to be signed.

Schedule your Closing Date – Your closing and title work will be scheduled with your settlement agent

Items for Closing – You will need your homeowner’s insurance policy, certified check and checkbook for any incidental costs.

Closing/Settlement – All mortgage Documents will be signed. Both your settlement agent and Personal Mortgage Advisor will review with you.

Moving Time – You receive your keys, enjoy your new home!

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All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Corporate NMLS Unique Identifier # 32416. Verify a mortgage company or individual license on the Nationwide Mortgage Licensing System Consumer Access site: www.nmlsconsumer-access.org. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purpos-es: and the consumer should consult a tax advisor for further information regarding the deductibility of interest and charges. U.S. Dept. of Housing & Urban Development Mortgagee-FHA Lender ID # 23773-0000-0, 23773-00017 (Unconditional Direct Endorsement Approved), USDA SFHGLP Approved, Department of Veterans A�airs VA Automatic Lender 56997-00-00. Nations Lending Corporation 2020

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