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REALTOR® Laura Sellers, Auburn, ALREALTOR® Laura Sellers, Auburn, AL

Everything you need to know about buying or selling a home or condo in the Auburn-Opelika, AL area!

LauraSellers01@Gmail.com
334-332-7263 Direct

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Financing Tips

Financing Tips

Financing your home can be an overwhelming process if you are unsure of what you are doing. The more prepared you are ahead of meeting with a lender, the quicker and easier it will be for you to get pre-approved—ultimately facilitating the path to you acquiring your new home.

Make sure you have the following documents in hand for the pre-approval process:

Income Items

  • W2 forms from the last two years
  • Pay stubs covering a 30-day period
  • Federal tax returns (1040’s) for the past two years if you:
    • Are self-employed.
    • Earn regular income from capital gains.
    • Earn sizable interest income.
    • Earn more than 25 percent of your income from commissions or bonuses.
    • Own rental property.
    • Are in a career where you are likely to take non-reimbursed business expenses.
  • Year-to-date profit and loss statement (if self-employed)
  • Corporate or partnership tax returns (if you own more than 25 percent of the business)
  • Pension award letter (for retirees)
  • Social Security Award letters (if applicable)

Asset Items

  • Bank statements for previous two months
  • Statements for two months on all stocks, mutual funds, bonds, etc.
  • Latest 401K statement (or other retirement assets)
  • Copy of HUD1 Settlement Statement on sales of recent homes
  • Copy of estimated HUD1 settlement statement if previous home is for sale but not yet closed
  • Gift documentation (if funds come as a gift from a family member)
    • These can also require:
      • Verification of donor’s ability to make the gift
      • Copy of the check used to make gift
      • Copy of deposit receipt showing funds deposited into bank account or escrow

Credit Items

  • Landlord’s name, address and phone number (if you rent)
  • Explanations for items that may appear on your credit report including:
    • Late payments
    • Credit inquiries in last 90 days
    • Charge-offs
    • Collections
    • Judgments
    • Liens
  • Copy of bankruptcy papers (if applicable within last seven years)

Other

  • Copy of purchase agreement (if you have made an offer)
  • Documentation of receipt of child support (if you want to show as income)
    • Copy of divorce settlement
    • Copies of 12 months canceled checks to document receipt of funds

FHA Loans

  • Copy of Social Security Card
  • Copy of driver’s license

VA Loans

  • Copy of DD214

Refinances

  • Copy of most recent monthly mortgage bil

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Talk To Laura Now!

Have a question? Give me a call at (334) 332-7263, or you can click my photo for more options to call or email and I will contact you right away.



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Popular Auburn Subdivisions

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Auburn AL Condos

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  • Auburn Crossing
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  • Court Square
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REALTOR® Laura Sellers, Auburn, AL

334-332-7263 Direct
LauraSellers01@Gmail.com



1810 E Glenn Ave., Suite 100
Auburn, AL 36830



Moving out of state? I can help—ask me for a trusted referral!

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Auburn Real Estate

Did you know the hottest homes for sale in Auburn often sell within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest homes as they hit the market! Simply click the button below and choose the qualities that you want most in a home and save your search to start getting alerts today!

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As a local Auburn Realtor I also have access to homes before they hit the market and can show you more homes and information that are only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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