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| 701.237.5031 · 1.800.288.7316 |
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Past 3 year history of residence
Past 1 year history of landlord names and addresses.
Past 2 year history of employment, schooling, etc.
Address and account numbers for all payments. Breakdown of monthly payments and balances. Examples of types of accounts:
- Car loans
- Student loans
- Day care expense
- Credit cards
- Finance companies
- Current mortgage company
Bank account numbers and addresses for all checking, savings, cd's, mutual funds, IRA's, etc.
Past 2 years complete personal tax returns and year to date information on self-employed borrowers or borrowers who have more than 25% ownership interest in a Corporation, Partnership, etc.
Source of your cash to close.
ADDITIONAL IMPORTANT INFORMATION:
Pick and stick with one Realtor. Because of Fargo-Moorhead Multiple Listing Service, he/she can show you every home that is on the market.
Consider a Home Protection Plan. The buyer or seller can purchase. Available through most nationally affiliated real estate companies.
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1ST TIME HOME BUYER LOANS ONLY
- Copy of picture ID
- Copy of social security cards
- Copy of recent paystubs
- Copy of most recent bank statements
- Copy of three years tax returns
- Three years landlord names and addresses
- 1% reservation fee
- Appraisal and credit report fee
OTHER ITEMS YOU MAY NEED
- Bankruptcy papers
- Divorce decree
- Student transcripts
- Letters explaining negative credit history and documentation
- Letters explaining recent inquiries into your credit into your bank
- Letters and documentation explaining large deposits into your account
- 2 years complete partnership or corporation returns and year-to-date information
- Letters explaining any gaps in your employment
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FHA LOANS ONLY
- Copy of picture ID
- Copy of social security cards
- Copy of recent paystubs
- Copy of most recent bank
- Appraisal and credit report fee
CONVENTIONAL LOANS ONLY
- Appraisal and credit report fee
VA LOANS ONLY
- Copy of picture ID
- Copy of social security cards
- Certificate of Eligibility
- DD214
- Original paystubs
- Appraisal and credit report fee
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