Having these items ready before you apply keeps the process moving. Start with the basics: recent pay stubs, your most recent W-2s or tax returns, a government-issued photo ID and your address history. Then gather the following as they apply to you:
If you have sold your current home, copy of settlement statement (HUD-1).
Statements for each bank, mutual fund, and/or investment account for the last three months.
Names, addresses, account numbers, balances and monthly payments on all current loans.
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).
If you are not a citizen, a copy of the front and back of your green card.
Talk to a New York mortgage broker
Get pre-qualified online, or call and a broker will walk you through your options. No obligation, and pre-qualifying does not affect your credit score.
