Application Checklist
Below is a list of documents you will need when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.
Your Property
Copy of signed sales contract including all riders
Verification of the deposit you placed on the home
Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved
Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)
Your Income
Copies of your pay-stubs for the most recent 30-day period and year-to-date
Copies of your W-2 forms for the past two years
Names and addresses of all employers for the last two years
Letter explaining any gaps in employment in the past 2 years
Work visa or green card (copy front & back)
If self-employed or receive commission or bonus, interest/dividends, or rental income:
Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)
K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)
Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)
If you will use Alimony or Child Support to qualify:
Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year
If you receive Social Security income, Disability or VA benefits:
Provide award letter from agency or organization
Source of Funds and Down Payment
Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
Savings, checking or money market funds - provide copies of bank statements for the last 3 months
Stocks and bonds - provide copies of your statement from your broker or copies of certificates
Gifts - If part of your cash to close, provide Gift Affidavit and proof of receipt of funds
Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation
Debt or Obligations
Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements
Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years
If you are paying alimony or child support, include marital settlement
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Our happy Clients
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you will be my lender for life…
“I just wanted to thank you for all your hard work on my loan I REALLY appreciate it and you will be my lender for life. Officially, I am now a homeowner!” -
excited about our new home…
“Thanks for all your hard work; we are very excited about our new home!” -
our dream home…
“Thank you to you and your hardworking team for helping us buy our dream home! We are so happy and truly appreciate all your hard work.” -
caring, compassionate, engaged…
“I just wanted you to know how much you’ve helped me in this latest phase of my journey. I felt safe, understood and cared for during the process of realizing the dream! Not only was it the process, the actual buying part! You’ve taken care of me since, helping again to meet my budget goals, ensuring my stability today and in the years to come. You are a true professional but more importantly in my book, caring, compassionate and engaged. That combination in rough economic times helped my transaction be one of peace relatively speaking! After two brokers before I was gun-shy. Thank you so much for sharing your gift with me.” -
senior experience guided the process…
“I recently did a refinance through Regent Mortgage Corporation and Mark Landon was my main person handling the process from start to finish. His professional experience made my refinance go smooth and Mark’s senior experience guided the process very smooth and professional results and I would use him again someday in the future.” -
referred him to many friends…
“We have been working with Mark Landon for about 15 years! He has helped us through multiple refinances and as a Buyer’s Agent when we looked for another home, including helping us with our first mortgage on the new house. Mark has always looked out for us and kept us updated. We have referred him to many of our friends and they have been so pleased with his service that they in turn have referred him to their friends and family. Our son also called Mark when he bought his first house. We would not consider using anyone else when it comes to our real estate needs. ” -
we put our trust in you…
“Thank you for your response to our unique Mortgage situation … You were more than just professional and competent, you were responsive to our specific needs and found a solution. Plus, as always, found the best interest rate better than those advertised and kept our closing costs to a zero. Simply put, we can conveniently put our trust in you to take care of everything and know it will be in our best interest. These are the reasons I and my family have used your service and will continue to do so if needed in the future. Thanks again.” -
sincerely cares…
“Mark is highly motivated to help people get the best rate they can on their mortgage. He sincerely cares about helping people out financially. You can tell he loves his job and he gets excited about helping his clients.” -
competitive loan program…
“I’ve known Mark Landon for the past 10 years and enjoyed his exceptional service as mortgage broker. He definitely knows different loan programs, follows through on his commitments, and solves difficult loan scenarios. I highly recommend his service to anyone who is looking for a mortgage since you will get a very competitive loan program.” -
easiest and most hassle free experience…
“Mary and I just wanted to send you a note to tell you that we have refinanced many times in the past fifteen years but doing it with you was the easiest and most hassle free experience we have ever had. Everything went just like you said it would and we are quite pleased and will tell all our friends. Thanks again for a very pleasant and financially beneficial experience.” -
you made the whole process painless…
“Thank you so much for all your hard work on our loan. You made the whole process palatable and painless. We wish all our transactions were this smooth.”