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There are some home loans that allow 100% financing and others that may require 3.5 - 20% down; based on the purchase price of the home.
Earnest money is the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house. This money is credited towards the cost of the down payment, closing costs, and/or prepaids.
The costs associated with processing the paperwork to buy a house. When you apply for your loan, we will give you an estimate of the closing costs, so you won't be caught by surprise.
Prepaids include the cost of your prepaid interest, property taxes and home-owners insurance. This amount varies depending on the day of the month the loan closes, taxes for the given property and the quote from your insurance agent.
Social Security card(s)
Most recent paystubs (2 months)
W2’s (2 years)
Name and address of current employer (2 year history)
Most recent bank statements (2 months)
Tax Returns for the last 2 years
Copies of all investment/brokerage statements
Award letter(s) for Social Security, Retirement, Disability, VA benefits, etc.
Divorce Decree
Bankruptcy and Discharge papers
Name and address of landlord (2 year history)
Child Support documentation
If you are a veteran you will need the DD 214 to receive a VA loan