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Serving Buyers and Sellers in the Bay Area including Albany, Berkeley, El Cerrito, Kensington, Oakland, Rockridge, Piedmont, Richmond, El Sobrante, Pinole, and the surrounding San Francisco East Bay Area
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Art Work By Barbara |
For Buyers... The Home Buying Process... Who Pays What? | Checklist for Loan Application | Components of a Mortgage Payment | The Loan Process | Shopping For A Lender | Getting Pre-Approved | The Inspection Process | Physical Inspection | Calculating Tax Savings Checklist for a Loan Application Purchase contract and property information ____ Complete copy of the sales contract ____ Mailing address and property description ____ Contact information for access to the property ____ Plans and specification (new construction only) Personal information ____ Social security number ____ Age ____ Years of schooling ____ Marital status ____ Number and age of dependents ____ Current address and telephone numbers ____ Addresses for the past seven years (if more than one) ____ Current housing expense (rent, mortgage, insurance, taxes) ____ Name and address of landlord/mortgage holder (past two years only) ____ Employment history and income ____ Two years of employment history, with complete details of each job ____ Recent pay stubs and two years of W-2 forms ____ Complete tax returns and financial statements if self-employed ____ Written explanation of employment gaps ____ Records of dividends and interest received ____ Proof of other income Assets ____ Complete information on all bank and money market accounts ____ Two months of bank statements ____ Current values of stocks, bonds, mutal funds and other investments ____ Vested interest in retirement funds ____ Value of life insurance ____ Information on any cars you own ____ Information on any real estate you own ____ Value of any significant personal property you own Liabilities and debts ____ Itemized list of all current debts: loans, credit cards and other bills ____ Written explanation of any past credit problems ____ Full details of bankruptcy during the last seven years, if possible Fees ____ Credit report and appraisal fees (usually $500 or less) Back to For Buyers |
Barbara HendricksonPhone: 510-280-2140Email: barbara@justsellmyhouse.com |
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Cindy WilsonPhone: 510-280-2144Email: cindy@justsellmyhouse.com |
Look For A Home | Email Updates |
Buying A Home | Selling A Home | Sales Reports By Zip Code | Our Recent Sales
East Bay Guide | Helpful Links | Meet Barbara | Meet Cindy | Staging - Before & After | Testimonials
Art By Barbara | Homepage
East Bay Guide | Helpful Links | Meet Barbara | Meet Cindy | Staging - Before & After | Testimonials
Art By Barbara | Homepage