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STEP #2: Preparing the Loan Application.

Once you have chosen your new home, and you and the seller have agreed upon a sale price, it’s time to apply for your loan. As you begin, make sure you have a signed contract with the seller, and that any earnest money you put up is held in an escrow account until settlement.


When you fill out the loan application, you will need to provide information on your income, assets and liabilities, and employment history. You should have the following documents with you:

  • Most current paystub.
  • W-2 for the previous tax year.
  • Two years tax returns and W-2s, and/or Form 1099s for self-employed borrower.
  • Three years tax returns and W-2s for first-time homebuyers.
  • Most current bank statement.
  • Valid driver’s license.
  • Social Security Card.
  • Certificate of Eligibility for VA.
  • Offer and Acceptance letter (if applicable).

This is also the time to have the home professionally inspected to make certain it is in good order. (Some buyers take this step before signing a sales contract.) The inspector will check a variety of things including the foundation, wiring, plumbing, insulation, cracks from settlement, evidence of termite or rodent infestation, among many other concerns. The inspection protects you as the buyer, as well as informing the lender of the condition of the structure.


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