Financing a home

Tips for meeting with a lender

Local lender contact information

Mortgage Guide

The Essentials

Social Security Numbers/Cards

Driver’s License or State ID

Purchase Agreement & any Addendums

Payment for Credit Report, Application Fees, & Appraisal

Residence addresses for past two years

Name & Address of each employer

Pay Stubs for the last 30 consecutive days (include Gross Monthly Salary if not listed on stub)

Federal Income Tax Returns, Schedules, & W-2’s for the last two years

The Barbara Wilson Real Estate Team | Howard Hanna

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Have all Financial/Banking Information

  • Names, Addresses, Account Numbers, Balance, & Amount due for Monthly Payments for all Open Loans, Credit Cards, etc.
  • Name & Address of Landlord or Mortgage payment book
  • Addresses & Loan information of other Real Estate owned
  • Checking & Savings Account Statements for the last three months
  • Statements for any 401K’s, retirement accounts, IRA’s, CD’s, mutual funds, stocks, or other investments for the last three months
  • Estimated Value of Personal Property, Furniture, Etc. (Receipts may be helpful)

Additional Possibilities Bring the following items if applicable:

  • Complete Divorce Decree with Separation Agreement
  • Bankruptcy papers including all schedules discharge
  • Certificate of Eligibility or DD214’s (V.A. only)
  • If Self-Employed, see your loan officer for requirements (You may need Tax Returns for the past two years, all schedules, & financial statements)

Ready to start your real estate journey?

Partner with Barbara Wilson and her team of top real estate agents in Northeast Ohio!

Lenders

As a courtesy, we have compiled a list of lenders to help you get started, although you should feel free to choose a lender other than those listed below. The lenders included here are willing to pre-qualify or pre-approve you for a mortgage!

Howard Hanna Mortgage - Michele Lux
O: 330-846-3330 | M: 330-697-0204
MicheleLux@HowardHanna.com

Timothy Rhodes - Your Home Financial
330-475-3539
Timothy.Rhodes@YourHomeFinancial.com

Jamie Cleveland - Westfield Bank
330-612-3317
JamieCleveland@Westfield-Bank.com

Jim Markan - Edge Home Finance
440-773-2222
Jim.Markan@edgehomefinance.com

Polly Robinson - 5/3 Bank
330-635-3153
Polly.Robinson@53.com

Client

Testimonials

“When we decided to sell our house, we knew you and your staff were the team for the job. You all were always so prepared, professional and accessible when helping us buy the house that we knew we wanted the same quality of help in selling it. We can’t thank you enough for all you’ve done for us over the years!”

Doug & Julie

Medina, OH