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