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Supporting Documents


The information you might need to provide at the time of your application is provided here in a convenient checklist. You should be aware that you and your spouse (or other co-borrower(s)) must provide all requested information.

Purchase Contract And Property Information

  • Complete copy of the purchase & sales contract signed by both buyers and sellers
  • Contact information for access to the property
  • Plans and specifications (new construction only)
  • Evidence of septic pumping and county certification (FHA and VA loans only)
  • Copy of current well test and county certification (FHA and VA loans only)

Personal Information

  • Social Security Number
  • Age
  • Years of Schooling
  • Marital Status
  • Number and age of dependents
  • Current address and telephone number
  • Address for past two years (if more than one)
  • Current housing expenses (rent, mortgage, insurance and taxes)
  • Name and address of landlord/mortgage holder (past two years only)

Employment History And Income

  • Two years of employment history
  • Recent 30 day's worth of paystubs and 2 years of W-2 forms
  • If self employed, complete personal and corporate tax returns with current profit and loss statement
  • Records of dividends and interest received
  • Proof of other income (award letters for social security, retirement, pension or military retirement)

Assets

  • Current 3 months' statements for bank and money market accounts
  • Current statements for stocks, bonds, mutual funds, and other investments
  • Vested interest in retirement funds
  • Face amount and cash value of life insurance
  • Information on any cars you own
  • Information on any real estate you own
  • Value of any significant personal property you own

Liabilities And Debts

  • Itemized list of all current debts: loans, credit cards, child support payments, 401k loans and any other bills
  • Written explanation of any past credit problems
  • Full details of bankruptcy during the last 7 years, if applicable

Additional Items Needed

  • Copy of divorce decree, which should include property settlement statement and order of child support
  • Complete bankruptcy papers, discharge notice and any other supporting documentation (if bankruptcy occurred in last 7 years)
  • Original certificate of eligibility (VA loans only)
  • Copy of DD214 or Statement of Service (VA loans only)

Fees

  • Credit report and appraisal fees (usually $500 or less)

Customer Feedback

  • Heather Rozzell with first capital group is an amazing lender who is truly focused on the best interest of her clients. She makes her clients feel very comfortable and relaxed when it comes to the home buying process. As a Realtor, it is important to have someone on my team that is trustworthy and willing to go above and beyond for our clients. She is amazing at what she does and I am lucky to have her to refer clients to.

    ~ Amanda Hendrick