| Once
you have selected the type of loan you prefer and qualify
for, the lender will ask you to complete a loan application,
which will require a great deal of personal and financial
information, including the following:
1) Your residence history
• Your previous addresses for the past two years
• The length of time you’ve lived at each
address
• If you currently rent, your landlord’s
name and addresses (for past 12 months)
2) Your employment history
• The names and addresses of all your employers
for the past two years
• The dates you worked at each place of employment
• If there have been any gaps in your employment,
explain why
3) All outstanding loans and credit cards
• The creditor’s name(s) and address(s)
• Your account number(s)
• The current total balance you owe and the months
left to pay
• The amount of the monthly payment
4) Savings, checking or investment accounts
• The names and addresses for each financial institution
• Your account numbers
• The current balance or value
5) Real estate you currently own
• The property address(s)
• The estimated market value
• The outstanding loan balance
• The amount of your monthly payment (including
taxes, insurance, homeowner’s association dues)
• The amount of your rental income (if applicable)
6) Personal property you own
• The net cash value of your life insurance
• The make, year and value of your automobile(s)
• The value of your furniture, jewelry and other
personal property
7) Tax records
• Some California lenders may require copies of
your tax records from the previous two years
Contact
us for more info on loan applications in Saratoga Ca... |
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