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 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.
We were very impressed with Stephen Moreno and his entire lending team at Brand Mortgage. What impressed me most was Stephen’s ability to communicate quickly and effectively about any questions or concerns that we had throughout the entire home buying process. Through his cordial attitude we received outstanding customer service that could not be matched by any other local lender. Not only did Stephen and his team close our loan, but he also offered helpful advice along the way. All the way to …
Stephen Moreno, IV was a huge help to me and my husband during the purchase of our home on St. Simons Isl., Georgia in July, 2015. We met with Stephen and told him of the house we wanted to buy. We had reached an agreement with the seller (no realtor involved) and approached Stephen with our financing needs. He arranged financing for our home with very little work on our part. He took care of every detail along the way. He even coordinated everything with the closing attorney and all we had to …
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 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 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
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 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!
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 R.M. Moreno, IV 912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, 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 focused 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 also licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, & Tennessee.