Article · Process · 1 min read
What to Have Ready Before You Call a Loan Officer
A short list of documents that make the first conversation easier.
You do not need a perfect folder to start. A few records make the first call more useful.
Bring a photo ID, recent pay stubs or other proof of income, and the name of the bank where you keep your down payment. If you already own a home, know the rough balance of that loan. If you are buying, know the city you want and about what you hope to spend.
You can ask what each document is for. You should not be asked for a Social Security number on this website. That step happens in the secure application, after you choose a loan officer.
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A Short Folder Is Enough
These records make the first conversation specific:
- A photo ID
- Recent pay stubs, or other records that show income
- The name of the bank where you keep the money for a down payment
- A rough list of monthly debts, including a car and student loans
- The city you want, and a price you hope to stay near
- If you already own, the rough balance of that mortgage
If you are self-employed, recent tax returns are the usual start. If a gift will cover part of the down payment, say so. The lender will need a record of the gift later. You do not need that letter on the first call.
Write down the questions you actually have. A useful set is: which programs might fit, what cash you would need, and what the next document is. You should not be asked for a Social Security number on this website.
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A Real Conversation
Ready When You Are.
Talk with a loan officer who is licensed where the home is. Walk through buying, refinancing, or a loan that does not fit a standard file. Start with the directory, or answer a few questions first.