What you need to get ready before applying for a mortgage loan –California Mortgages : Purchase, Refinance, & Home Equity loans

Loan Application Checklist

In general, the documentation you will need includes:

Property Information (if you already have a contract on a house)

Purchase Agreement.

If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.

For the past two years:

	Names, address, * phone of each employer.
	W-2s

Statements for each bank, mutual fund, and/or investment account for the last two months.

If you have made any large deposits to your accounts:

If self-employed:

	Tax returns for the last two years (with schedules).
	Year-to-Date Profit and Loss Statement prepared by a certified public accountant.

If you own rental property:

Tax returns for the last two years and current rental agreements.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

Debts

Names, account numbers, balances and monthly payments on all current loans.

Explanation of credit report anomalies, including:

	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
	Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

Miscellaneous

Photo ID and proof of Social Security number.

Residence addresses for the past two years.

Mortgage statement(s)

Homeowners insurance declarations page

Signature Authorization CFIC.pdf

Get PreApproved Now

VanDyk Mortgage - The FHA & VA specialists

Call Today to find out about best loan for your family.
or simply apply online via our link.
www.vandykfunding.com/getpreapprovednow

Brian Skaar
Branch Manager
VanDyk Mortgage
Toll Free (866) 900-2342 Office (760) 752-4480
Fax (760) 454-3888
Email: Info@VanDykfunding.com

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We proudly serve the following Cities in California: Anaheim, Bakersfield, Carlsbad, Chula Vista, Corona, Coronado, Encinitas, Escondido, Fremont, Fresno, Huntington Beach, Irvine, Lake Elsinore, Long Beach, Los Angeles, Menifee, Monterey, Moreno Valley, Murrieta, National City, Oakland, Oceanside, Pasadena, Poway, Rancho Bernardo, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Jose, San Marcos, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Monica, Santa Rosa, Temecula, Ventura, Vista, Wildomar

We proudly serve the following Cities in Washington: Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Edmonds, Everett, Federal Way, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Monroe, Mukilteo, Puyallup, Redmond, Renton, Seattle, Spokane, Tacoma, Vancouver, Wenatchee, Woodinville, Yakima

VanDyk Mortgage funds VA & FHA Loans Direct.

We are a Nationwide Mortgage Banker.
We offer quality mortgage solutions for both residential & commercial.
Call today to find out how we are different and what that means to you.

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California Residential Mortgage Lender registered by the Department of Corporations

VanDyk Mortgage is a private company specializing in FHA & VA financing, VanDyk Mortgage Corp is not a government agency.

NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268 Brian Skaar Loan Originator

NMLS Consumer Access Site

VanDyk Mortgage 799 Avenida Codorniz San Marcos, CA 92069

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