Loan Checklist

Organize the Home Loan Process

To help you in the process Premier Nationwide Lending has developed a checklist that you can use in managing the home loan process. If you have any questions concerning the home loan process, please contact your Premier Home Mortgage Loan Expert who is on standby ready to assist you with your home mortgage needs.

Download the Loan Checklist
In general, the documentation you will need includes:
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets
Pay stubs for the last 30 days.

For the past two years:

Names and addresses of each employer.
W-2s
Complete tax returns

All pages of statements for each bank, mutual fund, and/or investment account for the last three months.


If you have made any large deposits to your accounts:

Explanation and source for deposit.
If large deposit was a gift:

Signed gift letter (lender can supply).
Copy of gift check.
Copy of deposit receipt.

If you own more than 25% of a business:

Corporate or partnership tax returns.

If self-employed:

Tax returns for the last three years (with schedules).
Year-to-Date Profit and Loss Statement prepared by an accountant (If using this income for qualification purposes).

If you own rental property:

Tax returns for the last two years and current rental agreements.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

If you are counting child support as income:

Copy of divorce settlement.
Copy of twelve months of cancelled child support checks.
Letter from Attorney General showing payments received.


Debts

Names, addresses, account numbers, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans
Copy of DD Form 214, Report of Separation.

Miscellaneous
Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.
 
 

Residential Mortgage Loan Originators

As a dedicated mortgage professional, I will be there for you every step of the home buying process. From selecting the right home loan product that suits your life stage and financial means, to providing real-time loan status and communication between you, your real estate agent, the title company and my office, to being able to answer all of your questions during the life of your mortgage, I am committed to making you feel you are my #1 priority!

Exceptional client service makes a difference! During my career, two key driving forces have consistently produced exceptional client experiences: hard work and always doing the right thing. Clients appreciate when you exceed expectations and doing the right thing always wins in the long run. In addition to those two main components, is an understanding that trust is earned and a deep level of industry knowledge is crucial to the foundation of how my business operates. I am proud of the many client Testimonials I have received throughout my career.


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

Melanie is the “best”. She is great to work with and always goes above and beyond in assisting her customers. She is smart, aggressive, tenacious, prompt and always with a smile.

Kaye M. - Turner Realty Co., Inc.

Melanie Brown has been helping my buyers obtain loans for the past 10 years and beyond. She gives each buyer the same professional attention no matter how large or small the loan, and works hard to overcome objections. It’s always a pleasure to work with Melanie because of the assurance of follow through and attention to detail.

Ann B., Broker/Manager - Re/Max Excel, LLC

As a real estate agent, a mortgage broker with Mel’s experience is absolutely priceless. She is my best resource for all of my customers looking to finance a home. All buyers praise her for being so competent and easy to work with, especially the buyer who needs counseling and direction in order to help them qualify for a home loan. You just cannot go wrong with her combination of dedication and appreciation for her clients.

Jessica R., Sales Assoc. - The Williamson Group Realty, Inc.

I can’t express enough how diligent and prompt Melanie is. She is very accessible and her communication is to notch. Melanie goes above and beyond for her colleagues and customers.

Michelle W. - The Williamson Group Realty, Inc.

Melanie brown was excellent, the process was excellent and my experience was outstanding with my mortgage.

Penny K.

This is to thank Melanie for the fabulous service she has given my various clients in their search for a home loan. I have sent Melanie quite a few buyers that other lenders have just not been able to help. She always follows through, returns phone calls, is extremely knowledgeable about her product, and treats everyone with respect. With the above in mind, I would strongly recommend anyone looking for a great mortgage broker contact Melanie - she is the Best!

Jeanne W., REALTOR® - Century 21 Compton Realty

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