Mortgage Pre-Qualification Checklist:

Personal Information:

  • Applicant's present and prior addresses for the last two years.
  • Employer's names and mailing addresses for the last two years.
  • Self-employed: Tax returns for the past two years.
    PLUS a year-to-date Profit and Loss Statement and Balance Sheet, signed by the Accountant and Borrower.
  • Copies of W-2 forms for the past two years.
  • Copy of most recent pay stubs (1 month).
  • Copy of Seperation Agreement and Divorce Decree, if applicable.
  • If income from Alimony & Child Support is used, furnish 12 month history of same.

Assets:                  

  • Checking/Savings - Last 3 months' Bank Statements.
  • Money Market Funds/Annuity Accounts/IRA Account - last 3 statements.
  • Real Estate Owned - Furnish copy of Deed & Lease or Sales Contract.

Liabilities:

  • Credit Cards - name, account number, monthly payment and balance owed.
  • Personal Loans - name of lender, address, accountnumber, monthly payment & balance owed.
  • Mortgage Loans - name of lender, address, accountnumber, monthly payment & balance owed.
  • Auto/Boat Loans - name of lender, address, accountnumber, monthly payment & balance owed.
  • Alimony/Child Support - Furnish copy of Seperation Agreement and Divorce Decree.
  • Names and address of present landlord.

Bank Contact Info

M & T Mortgage Corp.
315-738-4700

Key Bank
315-263-3356

Wells Fargo Mortgage
315-671-1651

NBT
315-853-4982

GPO FCU
315-724-1654 Ext 287

Oneida Savings
315-382-6706

Access FCU
315-557-1000

Adirondack Bank
315-796-7037

Common Mortgage Fund
315-724-7748

First Source
315-735-8571 Ext 1107

Americu
315-363-0148

Upstate Premier Mortgage
315-792-8021 Ext 11

Berkshire Bank
315-313-3536

Priority Funding
1-877-393-5571 Ext 17

First Credit Corp.
1-800-562-6036 Ext 104

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