You'll meet with a loan representative who will discuss the many home loan and down payment options available, then help tailor a loan to fit your specific needs. buy

Our checklist of things to bring with you will help make sure your application is complete and the process fast and easy.

We'll walk you through it and help you with the details.

* Other conditions of the loan may apply.

We start by checking your income and employment history with original copies of your paycheck stubs and W-2 forms, or with copies of income tax returns if you're self-employed or receive income in addition to
base wages.

Bank statements and other investment documents help us ensure that you have funds for your down payment and closing costs, plus a cash reserve.
If your down payment, or part of it, is a gift, we'll provide a form for the donor to complete.

Your credit report is just one of many factors we consider when evaluating your loan. We'll go through the report with you and talk over anything which may need further explanation.

We'll order an appraisal or valuation service that estimates the value of the home you are buying.

Title insurance may protect you or your lender against loss of the property due to certain legal problems in the title .

The title search also reveals any claims against the property that must be paid in order to transfer the title .

Homeowner's insurance protects homeowners and lenders against loss or damage to the property . You must show that you have adequate coverage before closing.

When your loan is approved, we'll send you a letter to confirm the terms and any conditions that need to be met before closing.

You'll sign your final loan papers along with title transfer paperwork at closing. Once documents are recorded and funds disbursed you can move in and start enjoying your dream home.

Congratulations you're home!