Obtain a Utah Home Loan

Homes, Condos, Land, and Investment Property

Obtain a Utah Home Loan

Hooray! You found the house and you're ready to buy. Go to your lender with a ratified sales contract in hand. The contract means you and the seller have negotiated and come to a decision on the price and contingencies, as well as the down payment and the closing date.

If you haven't already done so, now is the time to provide your Utah mortgage lender with the information he/she needs to complete your loan application.

Mortgage Loan Application Checklist

This basic checklist is to assure that you bring everything you need to your loan application. Originals are required unless otherwise stated.

Copy Sales Contract(s) (on the purchase of your new home and sale of present home)

Residence History (addresses and dates for the last 2 years)

Landlord's Name, Phone Number, Address and Canceled Checks (for past 12 months)

For Real Estate You Currently Own, Bring Addresses, Loan Information and Leases (if applicable)

Income History
Original Pay stubs for the Last 30 Days (showing year-to-date earnings, name and SSN#)

Most Recent 2 Years Original W-2 Forms; Most Recent 2 Years Tax Returns (with all schedules)

Award Letter and Copy of Most Recent Check (proof of Social Security, retirement or disability)

Debt History
Statements on All Outstanding Loans/Credit Cards (most recent)

Other consumer debt (such as car loans, furniture loans, student loans and other personal and co-signed installment loans with creditor addresses and phone numbers)

Asset History
Bank Statements for All Accounts (bring 3 months documentation to prove the source)

IRA/Keogh/401K/Profit Sharing Statements (for 3 months)

Legal History(matters which affect your finances)
Divorce Papers/Legal Separation Agreement (if you pay/receive child support or alimony)

Bankruptcy Papers Including Schedule of Creditors and Discharge Papers (if applicable)