Do You Qualify for a Loan?

Like most people, you will probably wait until submitting a purchase contract on a home before applying for a mortgage. By then, not only will you know the specific property you want, but also how much you need to borrow. At that point, the lender will require that you fill out a loan application and reveal specific information about your current and past financial situations.

The following checklist is a good place to start for gathering the information you will need:

Original purchase contract (the loan officer will make a copy and return the original to you)

Copy of earnest money (deposit) cancelled check

Employment history details

Last two years' W-2 forms

Last two years' income tax returns

Paycheck stubs for past 30 days

Verification of secondary income (for example, investment accounts, bonuses, a part-time job, child support or social security income)

Assets: Account numbers, balances and branch addresses

Checking

Savings

Stocks/bonds (current market values)

Debts: Account numbers and addresses

Auto loan(s)

Boat loan(s)

Student loan(s)

Credit card

Other

Explanation of any credit problems (for example, previously declared bankruptcy, excessive credit card debt)

Divorce or separation documents (if you receive or pay alimony or child support)

Landlord's name and phone number (if renting)

Disposition of present home (if you already have a home, do you plan to sell it or rent it out?)

Person who will give lender access to lender's appraiser (name and phone number)

Your check for appraisal, credit report and/or loan application fees (your lender will provide the cost information)

Pre-qualifying vs. Pre-approval If at all possible, it is best to begin the loan approval process before you find the home of your dreams. Otherwise, you may hit a roadblock when you apply for a mortgage and the application is denied. If the seller has other buyers waiting, or needs to sell quickly, you may lose your chance for that particular property.

There are two ways to help avoid this scenario:

1.) Become pre-qualified for a loan: All you need to do is speak to a lender, who-based on asking you some questions about your finances-offers an opinion of the loan amount you are eligible to borrow. The lender doesn't ask for any supporting paperwork to confirm what you say, and can change his or her mind when you come back to apply for a loan. There's no charge for pre-qualification.

2.) Become pre-approved for a loan: This process is more complex and sometimes involves a fee. The lender will want information about your employment, income and debts to prove that you are a good risk.

Obviously, a lender's pre-approval letter carries more weight with a seller than a pre-qualification letter because it is proof of your buying power on paper. Being pre-approved gives you an advantage when you're among several buyers pursuing a property.

Pay off other loans.

If at all possible, consider paying off any high-interest loans before applying for a mortgage. The more debts-like car loans or credit card balances-that appear on your mortgage application, the smaller the loan amount the lender will be willing to offer.

Don't pull a Pinocchio!

Never inflate your income or lie about employment dates. Not only is it illegal to falsify documents, it's also a federal offense! And lenders can usually catch people who lie or greatly exaggerate information on their applications. If you lie, you will most likely get what you were trying to avoid all along, a denial for your loan.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/century-bancorp-inc-reports-q3/story.aspx%3Fguid%3D%257B6FA5B96C-37EA-4FD5-B3EE-51E0E02ED3A0%257D%26dist%3Dhpprcid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHyMBya8aVPInx8Yfs7xJC7ugEsNgCentury Bancorp, Inc. Reports Q3 Results -- Regular Dividend b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Included in interest income for the nine months ended September 30, 2008 is $159000 of prepayment fees collected on bloans/b compared to $432000 for the same b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://uk.sys-con.com/node/710073cid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNEqcixA6p-SnYEdDOMXxaHRBfoHegPacific Continental Reports Third Quarter 2008 Results/a font size=-1 color=#6f6f6fnobrSYS-CON Media/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/prnewswire/200810141208PR_NEWS_USPR_____CLTU071.htmcid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNEZT4j9CJzJZlvO5PIl78jrPI_IdQFirst South Bancorp, Inc. Reports September 30, 2008 Quarterly and b.../b/a font size=-1 color=#6f6f6fnobrCNNMoney.com (press release)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/american-community-bancorp-announces-record/story.aspx%3Fguid%3D%257B7D6F84DD-3B6A-4616-9908-C46A31AD22E6%257D%26dist%3Dhpprcid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHeLBRvffRy9SECrFApQXRTvHFtXAAmerican Community Bancorp Announces Record Profits for Third Quarter/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/intervest-bancshares-corporation-reports-2008/story.aspx%3Fguid%3D%257B2520894A-F4ED-42A1-8706-4FE29199219A%257D%26dist%3Dhpprcid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNG44eo2jDJ3SVArF47eKGGt_hGIdQnobrMarketWatch/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/mercantile-bank-corporation-announces-2008/story.aspx%3Fguid%3D%257BFFB39969-A595-466B-A72E-1C4276381E09%257D%26dist%3Dhpprcid=1257254212ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNFC-K9AcQgDnwsIXqEjkks7y63J7gnobrMarketWatch/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257254212hl=ennobrall 51 news articles/nobr/a/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://washingtontimes.com/news/2008/oct/09/hear-see-and-speak-no-evil/cid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNEpUcKmQi-Ykb-zEzahokOdU1pNPwimg src=http://news.google.com/news?imgefp=xHJZdqoHQ98Jimgurl=media.washingtontimes.com/media/img/photos/2008/09/09/20080908-150114-pic-590463350_r350x200.jpg%3F0babd24c675f3097b9d1ff106ec8653055db7939 width=80 height=46 alt= border=1brfont size=-2Washington Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/13/AR2008101302257.htmlcid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHYgJZkEs4R2AcklhCBWbEHbd5fQQRescued by Fannie Mae?/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobrOct 13, 2008/nobr/fontbrfont size=-1The data needed are not difficult to assemble: current bloan/b balances, the date bloans/b were originated, original property value (or appraisal for refinances), b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://news.xinhuanet.com/english/2008-10/14/content_10196477.htmcid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNF_be9XM8t0D2JdzudYJwQWS1Kz8ABackgrounder: Fannie Mae, Freddie Mac/a font size=-1 color=#6f6f6fnobrXinhua/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.themichigantimes.com/news/2008/10/13/Editorials/So.Who.Got.Us.Into.This.Mess.In.The.First.Place-3484500.shtmlcid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNH2p-ch4bKXzrgBwyx3YKZYpkK2SQSo who got us into this mess in the first place?/a font size=-1 color=#6f6f6fnobrMichigan Times (subscription)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.seattlepi.nwsource.com/realestatenews/archives/151324.aspcid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNG7hW1OLakp4OtA63z7GNDL006mDAFall not Fannie and Freddie#39;s fault/a font size=-1 color=#6f6f6fnobrSeattle Post Intelligencer/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DanHoZWb6QZ8I%26refer%3Dhomecid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNH_Aow123Ut7rkpuYC4MZIJS9YilwnobrBloomberg/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.theage.com.au/business/fannie-freddie-under-pressure-to-start-buying-20081013-4zwn.htmlcid=1255977840ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNEytuXTPCc0iAOpd5yyFNFHURlN9AnobrThe Age/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255977840hl=ennobrall 228 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/usa-funds-supports-172-billion/story.aspx%3Fguid%3D%257B3687960B-DE35-43E4-B501-F4EB7A184644%257D%26dist%3Dhpprcid=1257719080ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNEdG9Dy5eEpVsO3BZbRK1feACK7WQUSA Funds Supports $17.2 Billion in Student bLoans/b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1USA Funds guaranteed more than $15 billion in Federal Stafford bloans/b for students, a 15 percent increase over fiscal 2007, and more than $2 billion in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bdafrica.com/index.php%3Foption%3Dcom_content%26task%3Dview%26id%3D10631%26Itemid%3D5822cid=1257719080ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNFwqDWLoLD52W_NGdt8jeKDUCjGhQKCB to offer university study bloan/b/a font size=-1 color=#6f6f6fnobrBusiness Daily Africa/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257719080hl=ennobrall 7 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://financialadvice.co.uk/news/7/mortgages/8195/Mortgage-market-confused-by-government-demands.htmlcid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNFOf0WHXB768hEXfZE_W3UydD6hHQimg src=http://news.google.com/news?imgefp=jyrxxG8SdxAJimgurl=financialadvice.co.uk/images/newsImages/mortgages/mortgages14.jpg width=80 height=53 alt= border=1brfont size=-2FinancialAdvice.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.independent.co.uk/news/business/news/lenders-at-odds-over-mortgage-promise-as-home-loans-slump-again-961420.htmlcid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNG_0PBsPyHyDWv2h3LOEibSxqHtQwLenders at odds over mortgage promise as home bloans/b slump again/abrfont size=-1font color=#6f6f6fIndependent,nbsp;UKnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1By James Daley, Personal Finance Editor Mortgage lending is continuing to fall, leading home-bloan/b providers warned, as they demanded further clarification b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ft.com/cms/s/0/fc555b62-99fe-11dd-960e-000077b07658.htmlcid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNFf0ogIlR_SZxtkRpxkwcct0j7hDgUk data show plunge in housing bloans/b/a font size=-1 color=#6f6f6fnobrFinancial Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://news.bbc.co.uk/2/hi/business/7668985.stmcid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNGvrzQko5LHZBSzCUEXTBOtAob_5AHome bloan/b numbers at record low/a font size=-1 color=#6f6f6fnobrBBC News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ifaonline.co.uk/public/showPage.html%3Fpage%3D820140cid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHcWzd_2JekSwDrmJqYL1YucZBS9wRecord low for house purchase bloans/b/a font size=-1 color=#6f6f6fnobrifaonline.co.uk/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/3195278/Mortgage-lending-plunges-by-63-per-cent.htmlcid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHKLLyxwdEtLeVWtrVp4N3Ml81T7gnobrTelegraph.co.uk/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.timesonline.co.uk/tol/money/property_and_mortgages/article4944730.ececid=1257611967ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNHUpM2grnhtWufPqbDwTFp_CY0TRQnobrTimes Online/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257611967hl=ennobrall 66 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/boston/stories/2008/10/13/daily15.htmlcid=1257728951ei=-VD1SOj9K5f-6gOo66SYDQusg=AFQjCNF6q8H5Ex8EDKVX_wrwoCYYmBGBDwWaters pays down $150M in bloans/b with JPMorgan Chase amp; Co./abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Citing a need to reduce its interest expense, Waters Corp. has tapped $150 million of its cash to pay down a term bloan/b originated with JPMorgan Chase amp; Co. b.../b/font/div/font/td/tr/table
loans - Google News

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