Logan Christensen

NMLS # 4444

logan@etrafficers.com

Logan Christensen

Requested Documents

Pre qualification

Begin the process by completing a prequalification application online or with one of our mortgage experts. This step helps us understand your financial situation and determine how much you may be eligible to borrow.

Documentation Gathering

Gather and submit the necessary financial documents, such as pay stubs, bank statements, and tax returns. This documentation is crucial for your mortgage application.

Loan Application

Our team will assist you in completing a formal loan application. We'll help you select the right mortgage program and guide you through the application process.

Loan Processing

Once your application is submitted, our experienced processors will review and verify your documents, employment, credit history, and property details. This step ensures your application is accurate and complete.

Underwriting

Your application will be sent to our underwriting team for a thorough evaluation. They will assess the risk associated with your loan and make a final decision on its approval.

Closing

Congratulations! Upon approval, we'll coordinate the closing process, where you'll sign the necessary documents and finalize the mortgage.

Requested Documents for a Mortgage

We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application.  Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan. 

The following documents may be requested to obtain new mortgage loan:

Also, the following documentation is also generally required.

For a refinance:

For a Purchase:

For a VA Loan:

If you are divorced:

If you are self employed, employed in sales, paid by commission,or own rental real estate:

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation.

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.