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
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 did a great job of keeping us informed an on schedule to close the loan. He was very personable and it was very easy to work with him. The level of service from Stephen an Brand Kirtgage far exceeded my expectations.
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 …
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.
Stephen was really helpful throughout the entire process. We had a couple of hiccups along the way with the seller and their agents, and Stephen was great about giving advice and guidance to make the process a success all the way through closing. Thanks, Stephen!
We spoke with Stephen 2 years ago about purchasing a home. At the time, our credit scores would not allow us to move forward with the process. Well, Stephen took time out of his schedule to provide us with advice to improve our scores. Today, we are homeowners, thanks to his advice. We highly recommend Stephen Moreno. There’s not many loan officers that would take time out of their schedule to do what he did. Thanks for everything Stephen! Mr and Mrs Price.
Stephen was on top of our re-fi the entire way through. Any time I called, or texted, he answered. He never had to “look us up” or look at notes to remember what we were doing. He was very thorough and was incredibly knowledgeable in the entire process from the paperwork and applications, through documentation, and even helped to navigate through new legislation and legality. He is well researched, and the best I’ve had the pleasure of working with. As an aside, he is also easy to talk to and so…
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
Stephen and his staff were incredible! They handled our home purchase with such promptness and friendliness. Honestly, we received the BEST interest rate, and we gained a personal friend with the purchase as well! My husband and I could not be happier with his service, and we tell EVERYONE how great he and his team are!!
Lauren & Scott S
Stephen R.M. Moreno, IV
Mortgage Consultant | Sales Manager
Brand Mortgage Group, LLC
NMLS # 75615 | MLO NMLS ID #761190 www.nmlsconsumeracces.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.