Buying a home in Western New York is not so difficult if you know what is going to happen along the way. Before you start looking at houses and falling in love with the perfect home, apply for your mortgage and at the very least get a pre-approval.
This will allow us to ensure you are seeing the homes that you can afford. There is nothing more frustrating to a Buyer than to fall in love with the absolutely perfect home only discover you cannot afford it.
If you are not purchasing your home outright with cash, part of that process is obtaining a Mortgage. Since applying for your Mortgage can be confusing, we have assembled a list of all the documents you will need for your home mortgage application. Having all of this information when you initially meet with your mortgage professional will speed the process along!
Mortgage Application Checklist
Most recent two years complete tax returns with all schedules.
Most recent pay stubs covering one month period. If Applicable: Self-Employed will need Two years Tax Returns and YTD Profit & Loss Statement.
Most recent three months complete bank statements for both checking and savings accounts.
Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.
Most recent statements from your credit cards and other monthly revolving charges, indicating minimum payments and account numbers.
Copy of complete Bankruptcy and Discharge Papers.
You may be required to provide the origin of your down payment. If money for down payment is a gift from a relative, bring to the interview a copy of gift letter and copy of gift check. The gift letter states that the money will not have to be repaid.
Name, Address, and Phone number of your landlord
12 months canceled rent checks
(for each applicant)
Copy of Drivers License
Copy of Social Security Card
Copy of complete Divorce, Palimony, Alimony Papers
Copy of Green Card or Work visa
Kevin Petho (NMLS ID# _680418_) is a Loan Officer for
RBS Citizens, N.A. Citizens Bank is a brand name of RBS Citizens, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).
Direct Phone Line (716) 444-3800.
Thinking of selling your Western New York home? Interested in finding out the current market value of your single family home, condo or investment property? Then call www.BestBuffaloHomes.com at (716) 650-0051 to discuss what is happening in today’s Western New York Real Estate Market. We would be happy to give you a personalized Comparative Market Analysis for your home or assist you to purchase a home. View additional WNY Market Area Statistics here.
What about one of these homes?
All Statistics are gathered from the Buffalo Niagara Association of REALTORS®. Properties found on this Web site may be listed with a brokerage other than the owner of this site and are displayed here via the Internet Data Exchange (IDX) system of this broker’s MLS. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing nor displaying broker shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless. © 2013 Western New York Real Estate Information Services (WNYREIS), LLC. All rights reserved.