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Questions about Home Loans? Contact us for answers.

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Sonya L. Pitt
RMLO NMLS 182524
c: (843) 270-5338
o: (843) 569-2812
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106 Liberty Hall Road,
Goose Creek, SC 29445
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1711 N. Main Street
Summerville, SC 29486

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.
If you have sold your current home, copy of settlement statement (closing disclosure).

Income & Assets
Pay stubs for the last 30 days.

For the past two years:

Names and addresses of each employer for past two years.
W-2s
Complete tax returns may be required

All pages of statements for each bank, mutual fund, and/or investment account for the last two 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% or more of a business:

Corporate or partnership tax returns.

If self-employed:

Tax returns for the last two years (with schedules).
Year-to-Date Profit and Loss Statement- Jumbo Loans (If using this income for qualification purposes).

If you own rental property:

Tax returns for the last full year 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 or 12 months print out from the County Child support division.

Debts
Explanation of credit report anomalies, including:

Late payments, credit inquiries in the last 120 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 Visa/Permanent Resident card.
 
 

Residential Mortgage Loan Originators

Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on your mortgage loan officer. Market conditions and mortgage programs change frequently and you need to make sure you are dealing with a top professional who is able to give you quick and accurate financial advice. I offer over 20 years of expertise and knowledge to assist you in exploring the many financing options available.

Ensuring that you make the right choice for you and your family is my top priority. I am committed to providing my customers with mortgage services that exceed their expectations. I will attend your closing to makes sure I am there to answer any questions that may arise. We are with you from application to closing.Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on your mortgage loan officer. Market conditions and mortgage programs change frequently and you need to make sure you are dealing with a top professional who is able to give you quick and accurate financial advice.


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?

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