• Loan Checklist:

    - Executed sales contract on property being purchased
    - W-2 forms for the previous two years
    - Year-to-date signed profit and loss, if self employed
    - Names and phone numbers both listing and selling agents
    - Copy of listing and/or contract on any properties currently for sale

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  • Mortgage Tips:

    - Review your credit report. In many states, reports can be requested for little or no cost. Request changes to any report that is in error
    - If a creditor does not respond to the credit reporting agency within 30 days, the report must be taken off your credit report
    - If you've been turned down for credit, get your report for no charge

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  • Expert Tips:

    - Don’t get new credit cards, even when stores offer a discount in return for applying for a card
    - Pay all credit card bills on time, even if it means paying utility bills late
    - Close out unused credit card accounts
    - Maintain at least one of your oldest cards to show a lengthy credit history

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