Documents Needed for Your Home Loan

**We know this information can come off overwhelming, but we are here to help! We are just a phone call or email away. Our goal as a team is to make this process enjoyable and as smooth as possible for all parties involved. Collecting the items below upfront allows us to provide you with the most detailed qualification possible.**

Driver's License
30 days most recent paystubs
Last 2 years W2s
2 months of bank statements on ALL Accounts
Most recent 401K, IRA, etc quarterly statement
TAX Returns ( ONLY needed for self-employed borrowers or those with rental properties)

Below is a list of information we will need to gather about both borrowers at the beginning of the application/prequalification process:
Borrower (s) Information:
Full Name
Date of Birth
Social Security Number

Address

Current Address
If Current address is less than 2 years, we will ask for a previous address history until recent 2 years is covered

Employment and Income

Current Employer Name
Current GROSS Income
Hourly Rate?
Salary?
If current time on job is less than 2 years, will need previous employment history until a 2 year employment history is established

Assets

Current Bank Name
Estimated balance in checking, savings, etc
Any 401K funds, IRA, etc

Initial Discovery Questions about Potential New Home Loan

What type of monthly housing payment will you be comfortable paying each month
How much funds do you have available to come out of pocket with to invest in your new home purchase ( for down payment, closing costs, home inspection, appraisal, etc)
How long do you plan on being in this home?
Is this a starter home or do you feel this will be a home you plan on being in for 7 + years?

Purchase - Quick Start

This form will ask very simple questions that I ask all of my potential homebuyers at the beginning of the process. The answers you provide will better assist me in insuring that we help to place you in a loan that you will not only be comfortable with, but will also be properly aligned with your goals and expectations. I can always be reached easily by calling 678-773-0651 or email kathy@kathydelbridge.com Thanks in advance for the opportunity to work with you. Kathy Delbridge NMLS 223212, GRMA 31798

Contact Information

* Name:

* Email:

* Phone:

* Preferred Communication method ( email or phone):

* Best time of day to contact you?:

Address 1:

Discovery Questions for your new proposed Purchase

* Comfortable Payment Amount for new home loan?:

* Does above amount include taxes and insurance:

* What is your EST Gross Monthly Income?:

* What are current monthly debts, exclude utilities:

* Funds available for downpayment, closing, etc?:

Will you use any gift funds for down payment?:

Is this a starter home for you?:

* How long do you plan to stay in new home?:

* Do you have a current home to sell first?:

How soon do you hope you can close on new home?:

* Are you already working with a realtor?:

If yes, please provide Realtor's Name:

* Bankruptcy in the last 2 years?:

* Any Foreclosure in the last 3 years:

* Is your Credit: Excellent, Good or Fair ?:

Any additional pertinent information?:

SMS Messaging:

By checking the box, you agree that Kathy Delbridge & Team may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.. Message/data rates may apply.