The Zeigler Team
Five Star Mortgage
8965 S Pecos Suite 10A Henderson, NV 89074
NMLS# 328829
NMLS# 123411
702-990-0959 Team Line
702-979-2539 Direct Line
702-236-9400 Cell
888-587-4141 Fax
 

Las Vegas Mortgage Requirments for Home purchase and Loan Process

the zeigler & alvarez team

Please bring the following items to your loan application appointment.
All items are required for both borrowers to process and approve your loan (purchase).

 

Requirments for a Las Vegas MortageThe American dream is to one day own your own home someday, start a family, and live the perfect life. But that drean has to start somewhere. Here at The Zeigler Team we want to help make your dream come true. Since most first time home buyers look for the best mortage for their dream home, they need to know the right items to have to get the process started and to complete it as quickly as possible. So the Zeigler Team has put together a check list of items you'll need to provide your lender with. These mortgage requirments are important to the start and completion of your home loan process.

All of the proper documents your lender needs should be with you the first time you sit down to your appointment. Taking that leap into home ownership can be a scary situation, but hear as t The Zeigler Team, we want to take all of that fear and throw it away! Our Las Vegas lenders want to place each and every one of our clients that come to us in a new home, but little can be done if the items and documents needed are present. So take a look at our list to see if you are ready to meet with your lender to call your new house home.

Items Need for Loan Application - pdf

  

Requirements to Complete the Loan Process

  1. Complete addresses, including zip codes, of present and former residences for the past two years.
    • If you are renting, please include the name, address and telephone number of all of your landlords for the past two years.
  2. Copy of Driver’s License and Social Security card.
  3. Present and former employers, including telephone numbers, address and zip codes for the past two years.
  4. Your two most recent current paycheck stubs for all employment to cover one month.
  5. If self employed, the complete 1040’s for the past two years.
    • Compete K-1s or partnership returns (if applicable) for past two years.
    • Corporate tax returns (if applicable) for the past two years.
    • Year to date profit & loss plus balance sheet.
  6. Documentation of any other income (such as Social Security, retirement, court ordered child support, Disability, Interest, etc.) Bring award letter or other documentation showing monthly amount received.
  7. Most recent mortage statemants (make sure their is a phone number on the statement)
  8. All bank accounts: last two months statements. (all pages, even if blank).
  9. Stocks, Bonds, IRA, and 401K account numbers, the name and address of every broker or firm.
    • Or the last two statements if monthly or last statement if quarterly (all pages, even if blank).
  10. Tax Returns for 2009, 2010 and 2011 and W2s for 2009, 2010 and 2011
    • If you do not have 2011 W2 bring in last 2011 pay stub with Year to Date on it.
  11. Home Owners Insurance Company and your agents name and number.
  12. Information of Real Estate sold within the last 12 months (HUD- Settlement Statement).
  13. All Mortgage Statements to real estate property owned. Include year acquired and current market value.
    • If rental properties supply all rental agreements. If property is pending sale supply a copy of the sales contract.
  14. If you have been through a bankruptcy, bring the bankruptcy papers, all legal documents and discharge schedules.
  15. If divorced or legally separated, include a copy of the divorce decree or separation agreement.
  16. For VA loans: Copy of DD 214 (showing discharge status).
    • Original certificate of eligibility (if available).
    • If previously used VA eligibility, bring previous address & loan number.
    • Address and phone number of nearest relative (not living with you).

 

 

 

The Zeigler Team - First Option Mortgage
3770 Howard Hughes Pkwy, Ste.195
Las Vegas, NV 89169

Office: 702-990-0959 - Fax: 888-587-4141