What Paperwork Do I Need to Apply for a Loan?

    So you just found your dream house on www.reduxrealty.com and you are ready to make an offer TODAY.  But wait?  How do you actually go about doing that?  What paperwork do you actually need to apply for a loan?

    Never fear!  Redux is here!

    We totally understand that applying for a home loan can be intimidating, especially if your office organizing system looks more like this and less like this.  That’s why we’ve carefully vetted mortgage lenders and found just the right ones who can help you get your financial house in order in time for you to purchase that dream house!

    In fact, whether it’s 9-5, a week night, or a weekend, our mortgage loan specialists are ready and waiting to help you — and can often get your loan pre-approved in just 15 minutes! We’ve chosen to work with them over hundreds of other specialists because of their friendliness, flexibility, large variety of loan product options, and their round-the-clock availability. You can find out more on our website here: http://www.reduxrealty.com/finance/

    Ok.  So your financial papers are … somewhere.  Hopefully nearby.  But which ones do you need?  And where do you send them?  Don’t worry!  While some lenders ask for more or less paperwork, the request for documentation is pretty standard.

    Not only that, but March is the perfect month to apply, since the spring market is just about to take off, and  you’ve probably gathered your financial info for taxes anyway, and that big tax refund check will be a great addition to your down payment savings!

    Here’s what you need to gather together:

    ·         2 years tax return all pages/schedules

    ·         2 years w2

    ·         2 months bank statements..all pages even blank

    ·         1 month paystubs

    ·         401k quarterly statement

    ·         Copy of your drivers licenses

    That’s it!  Isn’t that easy?  Once you submit those documents to your chosen lender, you can sit back and relax and let the Redux Realty team guide you step by step through the rest of the process … all the way to your new front door!

     

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