In general, the documentation you will need includes:
Check for application fee
Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy
of legal description and MLS sheet.
If you are selling your current home,
copy of listing contract.
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
Statements for each bank, mutual fund, and/or investment account for the
last three months.
Estimated value of personal property and furniture.
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 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.
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.
Union National Mortgage Co. is an Equal Opportunity Housing Lender. Loans are available on a fair and equal basis regardless of race, color, religion, sex, familial status, national origin, military status, disability or ancestry.
Basic Confidentiality Policy It is UNM's policy that personal information, such as your name, postal and email address or telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location, is accessible only by designated staff, and is used only for the purposes for which you provide the information (such as to reply to your request). If you also indicate on our sites that you would like to receive information about other UNM's programs and services, such as programs, mortgage information, or rates your personal information will be added to appropriate mailing list. You can indicate your desire when sending us email. No Release of Information to Third Parties Personal information will not be released to third parties except to gain further information as to your financing with UNM. Our computer is not set up to track, collect or distribute personal information about its visitors. It does recognize the home server of visitors, but not email addresses. In addition, our web sites track information about the visits to our web sites. For example, we compile statistics that show the daily number of visitors to our sites, the daily requests we receive for particular files on our web sites, and what countries those requests come from. These aggregated statistics are used internally to better provide services to the public and may also be provided to others, but again, the statistics contain no personal information and cannot be used to gather such information. License MB#802837.000; NMLS#2229; NMLS#198431; LO.002060.000
Union National Mortgage Company 990 W Poe Rd Ste 11 Bowling Green, OH 43402
