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 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.
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 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 a pleasure to work with. From the time I entered his office until closing he was on top of it every step of the way. I highly recommend Stephen and plan to work with him in the future.
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 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
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.
Mortgages Made Easy – Stephen was successful at educating me on and through the loan process and closed my loan in a timely manner. I would recommend working with Stephen to everyone!
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!
A subsidiary of The Brand Banking Company. Est. 1905.
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 and Albany and all of Southwest Georgia. I am licensed through BrandMortgage in Alabama, Florida, Georgia, Kentucky, Maryland, Mississippi, North Carolina, South Carolina, Tennessee and Virginia.