Getting Started

TIP
One of the ways to get ahead financially is to build up your savings account by paying yourself first every month. If you wait for the end of the month to save, there is never anything left. That is why we suggest you make a deposit into your savings account every month first, before you pay anyone else.

Applying for a mortgage can be an overwhelming experience.

Following is a list of the documents or information you will most likely be asked to provide:

REFINANCE

Most recent 2 years W-2
2 most recent paycheck stubs
Proof of Homeowners Insurance
Current Mortgage Statement
2 months bank statements
401K, IRA, SEP, KEOGH, Pension or other retirement statements
Homeowners Association Information (if applicable)
Union Membership Verification Form

PURCHASE

Purchase contract
Most recent 2 years W-2
Contact for Homeowners Insurance Agent
12 month rental history (if applicable)
2 months bank statements
401K, IRA, SEP, KEOGH, Pension or other retirement statements
Homeowners Association Information (if applicable)
Union Membership Verification Form

*The above does not represent a complete list. You may be asked to provide additional documents based on your situation.