How familiar are you with the mortgage process?

Do you have any questions regarding financing?

Are you purchasing a new home or refinancing an existing home?

How long have you been looking for a home?

Do you currently rent or own?

Have you ever purchased a home before?

Have you ever co-signed for someone who has purchased a home?

Have you been prequalified for a home?

When do you anticipate having the initial investment available for your purchase?

Do you have a specific deadline for which you want to be in your new home?

Are you currently working with a real estate agent?

Where do you currently work, and how long have you been with your current employer?

If less than two years in a current job, how many years in a previous job?

Are you paid hourly or by salary?

What are your monthly debt obligations?

What kind of savings and retirement funds does each borrower have?

Do you know your credit score? Would you like us to run your mortgage credit report today?

Have you had any foreclosures or bankruptcies in the last seven years?

What do you want to accomplish by refinancing: lower the rate, reduce the term, take cash out?

What was the original purchase price and in what year?

Based on sales in your neighborhood, what is the estimated current value of your home?

Have you refinanced your home before?

How much do you currently owe?

Have you had any late payments in the last two years?

What would the ideal timeframe be for you to refinance your home?

A copy of the signed contract, addendums and riders. If you are purchasing a condo, you will need to provide the association contact and phone number.

If you rent, you will need copies of your lease and 12 months of canceled checks showing rent payments

If you own, you need to provide information about your plans for the property. Will you be selling or renting?

f you will be selling your current home, you will need copies of these documents: listing agreement, sales contract and closing statement.

If you will be renting out your current home, you will need copies of these documents: lease, rent check and/or security deposit check.

Provide copies of one month of current paystubs, two most recent years of W-2s and federal tax returns. If you own a business, you may be required to provide additional income information.

NOTE: If you receive maintenance or child support that you plan on using as income for the loan, provide copies of the support order and divorce decree.

Provide copies of two most recent months of bank statements and all other asset accounts, including cash reserves, 401K, IRA, mutual funds, stocks and/or bonds.

Most accounts appear on your credit report, but be prepared with a current list and recent statements.

NOTE: If you have derogatory credit, letters of explanation and backup documentation supporting the circumstances may be required.

If you have a past bankruptcy and eligibility requirements are met, you will need a copy of the bankruptcy petition, list of creditors and discharge papers.

If you are not a U.S. citizen, provide a copy of a valid government-issued EAD card and Social Security card.

If you are a Veteran, provide a copy of your DD214 Form.

Roofing

Flooring

Windows

Plumbing

Electrical

Take measurements

Note any remodeling that’s been done

Check the general health and safety of the property

Determine the condition of the property