Below are the Documents You Will Need When Applying for a Home Loan
State of Federal ID: Drivers License, Passport, Green Card with at Least Two Years Remaining
Pay Stubs – Last 60 Days
Last Two Years Federal Tax Returns
Proof of Any Additional Income, Such as Child Support, Alimony, Social Security or Other Funds
Settlement Statement from Previous Home Sale if Applicable
Contact Info for the Last Two Years from Your Landlord (If Renting)
Divorce Decree – if Applicable
Gift Letter from Family Members if Applicable
A Letter Explaining Any Credit Report Issues, Such as Late Payments, Collections, Judgments or Other Derogatory Items
If You Are Applying for a VA Loan You’ll Also Need:
Certificate of Eligibility from the VA
Statement of Service
How Do You Apply for a Home Loan and Get Prequalified to Buy a Home?
There are many loan officers, loan originators and mortgage bankers.
I can make recommendations of a few people I suggest you speak with, and it’s important you talk with the right people regarding your different circumstances.
If you have perfect credit and a great job getting a home loan is not too challenging. However, if you have had some ‘bumps along the way’ you need to work with a seasoned mortgage professional to help you navigate these situations.
I recommend HIGHLY that you deal with a local person, someone you can meet with face-to-face (or at least virtually using Zoom or similar system.)
You can also choose someone you know or is recommended by others.
I have had the pleasure of working with Peter Hudson for several years in various capacities and have the utmost respect for him. Peter is extremely professional and is one of the most talented gentlemen I have ever met. I would highly recommend Peter to anyone who is looking to hire someone with impeccable integrity and a wealth of knowledge.
Peter has an eye for detail while maintaining a strategic focus on the big picture. He is extremely professional, punctual, and pleasant to work with. I have always appreciated Peter’s willingness to go above and beyond his job expectations. His ability to bring a team together to focus on a common goal is remarkable. In the time I have worked with Peter I have seen his straightforward style push people to become the best version of themselves.
Peter is an amazingly intelligent professional in sales and marketing. If you choose Peter as your agent he will work incredibly hard, but more importantly, incredibly smart to be your advocate, protect your interests and use many tools. The most important thing about my friend and colleague, who I have known for many years, is that he cares and he uses his expertise to serve his clients.
I had the pleasure of working with Peter and he was extremely professional in working with internal staff and external clients. Peter was a pleasure to work with and extremely knowledgeable in marketing and sales. He took a consultative approach that met or exceeded client expectations and was always quick to respond, helpful and seeking to expand his knowledge to stay on top of market trends.
Our nephew and his wife just closed on a house using Peter Hudson. It was a relief for us that Peter took them under his wing. Peter was caring but firmly guided the couple. Once the house was found Peter, with his expert knowledge and understanding, got them a great price. But, he didn’t stop there he watched
Peter provided professionalism and diligence to every detail necessary for the sale of our Mesa, Az. residence.
If the need is presented again, the choice will be the same.