Welcome to Florida New Homes. Are you seriously thinking about buying, selling, we have thousands of houses and apartments to show, certainly now is the best time to buy. We offer a unique lending experience 25+ years’ experience in the mortgage industry, Are you considering buying or refinancing your home? If so, then you are in the right place! Easy process. Quick approvals. Exceptional service. We will provide the highest level of expertise to quickly guide you through the entire process of finding the best mortgage loan. Our goal is to help families like yours save money on your mortgage. Refinance your mortgage for a lower rate, access cash or lock in a low rate, We work with thousands of the nation's top banks, credit unions, We will make your life easier Whether buying or refinancing, our customers save thousands over the life of their loan. We work for your best interest. thank you and congratulations !!!!
#mortgage #realestate #realtor #mortgagebroker #home #realestateagent #househunting #newhome #property #investment #firsttimehomebuyer #mortgagelender #refinance #finance #homeloans #broker #loans #homeloan #forsale #homesforsale #credit #realtorlife #creditrepair #loanofficer #mortgages #homesweethome #dreamhome #realty #loan #creditscore #money #homebuyers #housing #mortgagelife #homeownership #house #mortgagerates #lender #listing #business #mortgagetips #homebuying #entrepreneur #justlisted #homebuyer #realtors #mortgageloans #lending #realestatelife #success #homeowner #mortgagespecialist #mortgageloanofficer #financialfreedom #homesale #insurance #milliondollarlisting #firsttimebuyer #downpaymentassistance #mortgagebrokers #creditcards #creditrepair #localbanks #mortgagebroker #mortgages #mortgagelender #mortgageloans #mortgagebrokers #mortgageloanofficer #mortgagerates #mortgagetips #mortgagepro #mortgagespecialist #mortgageagent #mortgagebanker #mortgagelending #mortgagelenders #mortgageadvisor #mortgageadvice #mortgageexpert #mortgageloan #mortgagefree #mortgagehelp #prestamoshipotecarios #bancos #prestamos #prestamosparaextranjeros #itinmortgage

Mortgage Documentation Requirements

When you are planning for a mortgage application, one of the most important steps you can take before you apply is to gather the documentation you may need to supply with your application. Which loan you select will determine the exact documentation requirements. As soon as we have all your documentation from you the loan will close fast and you will have what you deserve.

Documentation Process After you submit your application, we'll call you to talk about the type of loan you have chosen. Then you will be sent a Disclosure package that includes several items that you will need to sign, and a list of documents that you will need to send in. Here is a list of some of the documents you may need:

Salaried Income

-Most recent pay stub showing year-to-date income; if there have been multiple employers in the current year, all paystubs showing year-to-date income

-Last year's W-2

Salary Plus Bonus/Overtime

-Most recent pay stub showing year-to-date income

-Last year's W-2

Straight Commission Income

- Most recent pay stub showing year-to-date income

-Last two years' 1040 tax returns

Self Employed Persons (1099 recipient)

-Last two years' personal tax return and partnership or corporate tax return

-Current year-to-date P&L if tax returns are older than 12 months

-Signed IRS Tax Form 4506

Partnership Income

-Last two years' personal tax returns

-Last two years' K-1s, 1065s, P&Ls, and YTD Balance Sheets

Corporation Income (if ownership is 25% or more)

-Last two years' personal and business tax returns (1120)

-Current year-to-date P&L if tax returns are older than 12 months

Trust Income

-Trust Agreement or trustee's letter stating payment amount, frequency and duration (must continue for at least three years

-Last two years' tax returns

Rental/Lease Income

-Copy of Rental/Lease Agreements

-Last year's tax return

Social Security/Pension/Retirement/Disability (three years remaining required)

-Award Letter

-Most recent two months' bank statements (if direct deposit) or copies of checks

Interest/Dividends

-Last two years' tax returns

Copies of current statements

Alimony/Child Support

-Complete Divorce Decree

-Proof of six months' receipt (must be recieved continuously for three years to qualify as income)

Purchase Transactions

-Copy of signed Purchase Contract (include all counter offers)

-Gift Letter, if gift funds are being used: Letter includes date of gift, the amount and donor's name, address, telephone number and relationship, statement that repayment is not expected

-Document(s) verifying transfer of funds and copy of a withdrawal receipt from the donor's account or a copy of the gift check

-Certified copy of HUD-1 settlement statement from sale of present property, if applicable

-Evidence of homeowner's insurance (required prior to closing)

-Evidence of flood insurance

Credit History/Liabilities

-Bankruptcy petition and discharge papers, if applicable

-Written explanations of any serious derogatory credit if applicable:

-Bankruptcy

-Collections, judgements, liens

-Late payments - mortgage or revolving credit

-Defaults, foreclosures, short sales

-Final divorce decree, if applicable

Assets

-Most recent two months' bank statements

-Most recent brokerage account statement

-Most recent IRA/401K statement

-Gift Letter, if gift funds are being used: Letter includes date of gift, the amount and donor's name, address, telephone number and relationship, statement that repayment is not expected Document(s) verifying transfer of funds and copy of a withdrawal receipt from the donor's account or a copy of the gift check Certified copy of HUD-1 settlement statement from sale of present property, if applicable

Refinance Transactions

-Evidence of homeowner's insurance

-Evidence of flood insurance

Condominiums or Planned Unit Developments

-Project name, homeowner's association (HOA) name, HOA contact name and phone number.


Comprar Casa Prestamos Florida New Homes Orlando Florida Prestamos Inmobiliarias Prestamos Florida New Homes Comprar Apartamentos Prestamos Florida New Homes Invertir Florida New Homes Mejor Prestamos Florida New Homes Inmobiliarias Vender Florida New Homes Viviendas Florida New Homes RealtorsComprar Florida New Homes inversiones Orlando Prestamos Hipotecarios bancos financieros Orlando Florida New Homes Windermere Florida New Homes Winter Park Florida New Homes Belle Isle Florida New Homes Doctor Phillips Florida New Homes Bay Hill Florida New Homes Lake Nona Florida New Homes Maitland Florida New Homes Baldwin Park Florida New Homes Alafaya Florida New Homes kissimmee Florida New Homes hunters Creek Downtown Orlando Florida New Homes Winter Park Florida New Homes Historic Orlando Florida New Homes Maitland Florida New Homes Celebration Florida New Homes Hunters Creek Oviedo Florida New Homes Winter Florida New Homes Sand Lake Florida New Homes Dr Phillips Florida New Homes Metro West Comprart Florida New Homes Ocoee Florida New Homes Windermere Florida New Homes Metro West Comprar Florida New Homes Kissimmee Florida New Homes Lake Mary Florida New Homes Prestamos Florida New Homes Prestamos Florida New Homes bien Bienes Raices Florida New Homes Prestamos Florida New Homes inmobiliarias Florida New Homes ayuda Florida New Homes bancos financieros Florida New Homes Orlando Florida Florida New Homes Comprar Casa Prestamos Florida New Homes Orlando Florida Prestamos Florida New Homes cias Inmobiliarias Prestamos Florida New Homes Comprar Prestamos Florida New Homes Invertir Florida New Homes Mejor Prestamos Florida New Homes cia Inmobiliarias Vender Florida New Homes Viviendas Florida New Homes Realtors Comprar Florida New Homes inversiones Orlando Prestamos Hipotecarios bancos financieros Orlando Florida New Homes Windermere Florida New Homes Winter Park Florida New Homes Belle Isle Florida New Homes Doctor Phillips Florida New Homes Bay Hill Florida New Homes Lake Nona Florida New Homes Maitland Florida New Homes Baldwin Park Florida New Homes Alafaya Florida New Homes kissimmee Florida New Homes hunters Creek Downtown Orlando Florida New Homes Winter Park Florida New Homes Historic Orlando Florida New Homes Maitland Florida New Homes Celebration Florida New Homes Hunters Creek Oviedo Florida New Homes Winter Florida New Homes Sand Lake Florida New Homes Dr Phillips Florida New Homes Metro West Comprart Florida New Homes Ocoee Florida New Homes Windermere Florida New Homes Metro West Comprar Florida New Homes Kissimmee Florida New Homes Lake Mary Florida New Homes Prestamos Florida New Homes Casas Bienes Raices Florida New Homes Prestamos Florida New Homes Visas Florida New Homes inmobiliarias Florida New Homes ayuda Florida New Homes bancos financieros Florida New Homes Orlando Florida Orlando Comprar Comprar casas Apartamentos Prestamos Prestamos Florida New Homes Orlando Florida Florida New Homes Windermere Florida New Homes Winter Park Florida New Homes Doctor Phillips Florida New Homes Metro West Comprart Florida New Homes Kissimmee Florida New Homes altamonte Springs Florida New Homes Maitland Florida New Homes Casselberry Florida New Homes Lake Mary Florida New Homes Kissimmee Florida New Homes Pertamos hipotecarios Florida New Homes bancos financieros Florida New Homes Prestamos Florida New Homes informacion Florida New Homes Casas Bienes Raices Florida New Homes inmobiliarias Florida New Homes Prestamos Florida New Homes Visas Florida New Homes extranjeros Florida New Homes visas Florida New Homes abogados Florida New Homes au Florida New Homes alquiler Florida New Homes Apartamentos Prestamos especialistas Florida New Homes inversiones Florida New Homes casas Florida New Homes Apartamentos Prestamos Florida New Homes Comprar Florida New Homes Apartamentos Prestamos Florida New Homes Vender Florida New Homes alquileres Florida New Homes Orlando Comprar casas Apartamentos Prestamos Florida New Homes Prestamos Florida New Homes Orlando Florida Florida New Homes Windermere Florida New Homes Winter Park Florida New Homes Doctor Phillips Florida New Homes Metro West Comprart Florida New Homes Kissimmee Florida New Homes altamonte Springs Florida New Homes Maitland Florida New Homes Casselberry Florida New Homes Lake Mary Florida New Homes Kissimmee Florida New Homes Pertamos hipotecarios Florida New Homes bancos financieros Florida New Homes Prestamos Florida New Homes informacion Florida New Homes Casas Bienes Raices Florida New Homes inmobiliarias Florida New Homes Prestamos Florida New Homes Visas Florida New Homes extranjeros Florida New Homes visas Florida New Homes abogados Florida New Homes au Florida New Homes alquiler Florida New Homes Apartamentos Prestamos especialistas Florida New Homes inversiones Florida New Homes casas Florida New Homes Apartamentos Prestamos Florida New Homes Comprar Florida New Homes Apartamentos Prestamos Florida New Homes Vender Florida New Homes alquileres

Florida New Homes LLC 30 years of success. disclaimer