Loan process VIEJA — Easy MORTGAGE

Loan process

Pre-qualification

Referred by

Name

First Name

Last Name

Phone

(###)

###

####

Estimated credit score

Explain your legal status in the US

If joint application, please write the co-applicant’s name

The co-applicant should fill out a separate application

Type of property

Use of the property

FOR PURCHASE

Estimated purchase price

Funds available (down payment / closing)

FOR REFINANCE

Estimated property value

Current loan amount

HOA/Condo

Insurance premium

Property taxes

Purpose of refinance (if cash out, add amount)

RESIDENCE

Explain current living situation

EMPLOYMENT & INCOME

W2 1099 K1

Other

Current employer, line of work, position / length of employment

Note: If employment is less than 2 years

Disclose the same information for previous employment

EXPENSES

Note: (Disclose all, separated with comma)

Monthly payment for AUTO LOAN

Monthly minimum payment for CREDIT CARDS

Monthly payment for STUDENT LOAN

Monthly payment for CHILD SUPPORT/ALIMONY

Comment if any of these loans: (1) are paid directly by a third party every month (company, family, friend), (2) are being paid on or before closing or (3) have less than 10 payments left (does not apply for car lease or credit card balance)

Comments

ADDITIONAL COMMENTS

Applying for a mortgage checklist

ALL APPLICANTS

• Drivers license
• Legal status (american passport, permanent resident card, visa, or work permit)
• Last (2) bank statement for each account (showing down payment and closing costs)
• Credit authorization form

EMPLOYED (USA)

• Last (2) paystubs
• Last (2) W2
• Last (2) personal tax return

PURCHASE

• Executed contract with all addendums
• Agents and title company contact information

FOR EACH PROPERTY YOU OWNED (USA)

• Last mortgage statement
• Insurance policy
• Current HOA/Condo payment

FOREING NATIONAL

• Bank reference letter
• Credit reference letter (if no ss number)
• CPA / Employment letter

IF SELF-EMPLOYED (USA)

• Last (2) K1 and/or 1099
• Bank reference letter
• Last (2) personal tax return

REFINANCE

• Last mortgage statement
• Insurance policy
• Current insurance policy
• Current HOA/Condo payment

SELLLING YOUR CURRENT PROPERTY

• Executed contract
• Closing statement (if closed)

UPLOAD your documents below or sent them by email preferable in PDF to info@easymortgagefl.com

Upload PDF

Additional information for mortgage application

Name

First Name

Last Name

RESIDENCE

Current Residence

Years/months in this address

Monthly Rent (if rent free write $0)

If less than 2 years:

Previous address

Years/Months in this address

EMPLOYMENT

Current employer

Address

Phone

(###)

###

####

Start date

If less than 2 years:

Previous employer

Address

Phone

(###)

###

####

Position

Start date

Finish date

Auto

Make / Year

Estimated value (even if it is a lease)

Closing costs

MORTGAGE

• Origination fee (case by case)
• Underwriting fee $900-$1000
• Credit fee $50-$100
• Processing fee $650-$800
• Flood certification
• Flood certification

TITLE COMPANY

• Settlement/closing fee $600-$1000
• Courier fee, Wire fee $50-$100
• Title Insurance $5.75 x each $1000
• Endorsement $25-$75 + 10% x Title insurance
• Survey $350-$450 (n/a if condo)

TAXES / RECORDINGS

• Recording fee $180-$250
• Stamps on the mortgage: loan amount x 0.0035 + loan amount x 0.002