The FIRST STEP is to contact Deb for an appointment!
Then gather together the following information. You might not need it all, but it will make the process much smoother if you are prepared!
DOCUMENTS YOU WILL NEED FOR A MORTGAGE APPLICATION
Click on the Fifth Third Bank logo to go to
Deb's "Official" Bank website. There you will
find mortgage calculators, glossary, explanations
and much more.
THE BASICS
2007 and 2006 W-2 Forms
2 most recent pay stubs
2 months statements for Checking, Savings, IRA's , 401k's, Investments, etc.
Copy of your Driver's License and Social Security card
Self Employed - 2007 and 2006 Tax Returns, all pages and schedules... Make sure they are signed and dated!Divorce decree, separation decree, child support agreement
Bankruptcy papers
If you have had any credit issues or late payments in your credit history, it would be helpful to write a letter of explanation to let the Underwriters know why and what the circumstances were, surrounding the late payments. (job loss, major illness, accident, etc)
A check for $295.00 payable to Fifth Third Bank. This will be a deposit towards your closing costs and will be applied to the appraisal bill.
REFINANCES
Bring the Basics, plus...
Legal description of property
Your homeowner's insurance information
Copy of recent tax bill and your Mortgage Note. (Bring the closing packet from your last mortgage and we'll help you find what you need)
THE BASICS
