Meeting with a loan officer for the first time can be a quick and painless experience if you are prepared.

The following is a list of the general borrower information and conditions that need to be presented at the time of the initial mortgage application process for a full approval:

Personal Information

1. Full Name
2. Date of Birth
3. Social Security Number
4. 2 Yrs Residence History – monthly payment, rent or own, payment method
5. List of all Real Estate Owned – values, balances, monthly payments, taxes, and insurance
6. 2 Yrs Employment History – job title, yrs in industry, income / structure, contact information

Subject Property Information

1. Type of property purchasing – Condo, Single Family Residence, Las Vegas High Rise, New Construction, Re-sell
2. Residence Status – Primary, Second Home, Investment Property
3. Budgeted Down Payment
4. Budgeted Monthly Payment
5. Desired Program Type – Fixed, ARM, Negative Amortization, Reverse Mortgage
6. Names to be listed or left off of title
7. Estimated time in property
8. Goals with property

Conditions

1. Most recent 2 pay stubs
2. Most recent 2 Yrs. W2’s
3. Most recent 2 Yrs. Tax Returns
4. Most recent 2 Bank Statements, 401k, Mutual Fund, or other Investment Accounts

The application process is a time where your loan officer can help you structure the best mortgage plan of action that will fit with your long and short term financial goals.