The mortgage documentation process can seem overwhelming, but I am here to guide you through it and make it as stress free as possible! In order to get started, here is a basic list of items that will be required for all loans:
Last 2 Years of Filed Federal Tax Returns with All Pages
Last 2 Years of W2s, K1s and 1099s
Last 30 Days of Paystubs
Last 2 Months of Official Bank Statements with All Pages
This is a complete this that will apply to most mortgage situations:
FOR HOME PURCHASE LOANS:
-Sales contract with original signatures, along with a copy of the earnest money check
-Complete address for each residence you’ve resided at during the past 24 months-For renters: landlord information (name, address, and phone)
-Names, addresses, and phone numbers of all employers for the past two years
-Relocation: Copy of employer’s relocation agreement
-Copy of DD214s and Certificate of Eligibility
-Past two years W-2 or 1099 forms
-Last 30 days pay stubs
-Past two years complete tax returns
-Award letters for social security
-Award letters for retirement/pension incomes
-Court order for child support
-Two months original bank statement (all pages) on all checking, savings, credit union, and investment accounts (including retirement)
-Current balance and minimum monthly payments
DIVORCED OR SEPARATED PERSONS:
-Complete divorce petition, signed, recorded final decree, and/or separation agreement
-Copies of current leases and tax returns
-Copy of insurance declaration page
-Copy of real estate tax bill
-Copy of mortgage statement if property is financed
FOR REFINANCE LOANS:
-A copy of the warranty deed and any current mortgage and/or bill payoff information (copies of last statements)
-A copy of the current tax and home insurance expenses, along with a copy of the survey and owner’s title insurance policy
We had an excellent experience working with Stephen Moreno on securing a mortgage for our new home in Southeast Georgia. We contacted Stephen as we were looking for a local lender and immediately knew that he was the person for us. He was very helpful to us and was extremely patient in answering our many questions about the process. He also provided the requisite knowledge to ensure that we understood the process and that we were able to secure a mortgage that was most beneficial to us. Stephen …
Terri & Rick S
If you are in search of a home loan, I highly recommend Stephen Moreno, IV! Stephen did an excellent job handling my loan application process and went above and beyond when providing support and customer service! He was very friendly, timely, and professionally responded to all questions (no matter how simple or complex). He was also accessible (phone, text, email, etc.) throughout the loan application process; very knowledgeable about the processes, requirements, and regulations; and p…
Stephen made me feel like I was the most important client he had. He was always right on top of my questions and concerns. He did an excellent job educating me on parts of the mortgage process I didn’t understand and was able to find me better and more creative mortgage options then any of the other people I tried.
Now that the pictures are hung and endless boxes are unpacked I can write this letter with the deserving gratitude my husband and I would like to express for Stephen Moreno. His title with BrandMortgage is Mortgage Loan Officer, however he goes beyond his call of duty. Throughout our quest to purchase a home he exemplified pure professionalism, knowledge of industry, and communication.
Our client relationship with Stephen began in 2015 when my husband and I started discussing the idea of …
Rozalia & Adam S.
Stephen was amazing to work with on our new condo in St Simons Island. Not only did he have an attention to detail, but he made us feel that he was on our team rooting for us all the way. He bent over backwards to meet our timelines so that we could close and enjoy the 4th of Julyin our beautiful home away from home.
Tim and Terri A.
Stephen Moreno was so helpful and made buying our first home a great experience. There were no realtors involved in the purchasing of our first home which made for a great deal of questions for Stephen. Stephen was always available with an answer! He really went above and beyond in helping us with our first mortgage. Stephen always made sure to break things down so we fully understood the whole process and could be prepared for the next step. Let’s just say that Stephen has a lot of patience! …
Kristal & Chesley D
Stephen Moreno with Brand Mortgage did everything possible to ensure that we had the best possible experience in purchasing a home. In what can be a very stressful time, Stephen is the guy you want walking you through the necessary steps. Not only is he personable and professional, he has your best interest in mind. I’d recommend him to anyone!
Scott & Meagan K
Stephen made the loan process extremely easy for me. If you are looking to get a loan of any kind I would call Stephen before anyone else. He will make sure that you get the best service and most of all the best loan.
Stephen was such a pleasure to work with during our first time home-buying experience! He made everything understandable and took the time to explain things in detail to us. I highly recommend him to take care of all your mortgage needs. Thank you Stephen for making our family’s American Dream come true.
Logan and Chelsea C.
I would like to highly recommend Stephen Moreno for his work as our mortgage broker. Stephen worked diligently on our loan package and made the process very easy from start to finish. Applying for a loan can be a daunting process but with Stephen’s help and Brand Mortgage’s easy to use online application and document system we found the process to be simple and convenient. Stephen kept in constant contact with us right up to the day of closing and several times since to make sure we had had …
Stephen R.M. Moreno, IV 912.771.2115
Mortgage Consultant | Sales Manager
Brand Mortgage Group, LLC
NMLS # 75615 | MLO NMLS ID #761190 www.nmlsconsumeraccess.org
GA Licensee #21999 | GA MLO Licensee #63319
Licensed in AL, FL, GA, NC, SC &TN
I provide competitive rates and peace of mind residential real estate financing to my clients in the cities of Brunswick, Saint Simons Island, Jekyll Island, Sea Island, Darien, Waycross, Saint Mary’s, Kingsland and all of the Beautiful Golden Isles of Georgia in addition to Americus, Leesburg, Albany and all of Georgia. I am licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, & Tennessee.