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The first step in securing a loan is to complete a loan application. To do so, you’ll need the following information.

  • Pay stubs for the past 2‐3 months
  • W‐2 forms for the past 2 years
  • Information on long‐term debts
  • Recent bank statements
  • tax returns for the past 2 years
  • Proof of any other income
  • Address and description of the property you wish to buy
  • Sales contract

During the application process, the lender will order a report on your credit history and a professional appraisal of the property you want to purchase. The application process typically takes between 1‐6 weeks.

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