1. Picture ID
2. 2010 & 2011 tax returns (all pages)
3. 4 most recent pay stubs
4. 2 most recent bank statements
5. We would pull your credit report
These documents along with a couple questions, can get you the answer you're looking for. For the most part, a loan officer should be able to tell you right then and there if you'll qualify, and if so, what you can qualify for.
The absolute best thing for you to do is to meet face-to-face with a loan officer and allow him/her to check everything out and then go over all your options.
If you're looking for someone, I'm always available to meet in one of our Queens branches. Good luck!
Sterling National Bank
Your good credit, down payment, and increase in income will definitely be helpful. I first need to understand your scenario in more detail; such as monthly debts and what you'd like your ideal monthly payment to be. When we speak I will be happy to answer all questions you may have, in addition to explaining the mortgage and home buying process in depth so we can establish proper expectations.
I recommend that we speak so I can better understand your goals and create a plan to meet them. Please don't hesitate contacting me directly via phone or email; whichever is most convenient.
Direct: (201) 957-6768
Licensed by New York Department of Financial Services
Member of NAMB - The Association of Mortgage Professionals
Member of New York Real Estate Investors Association
You need to speak to a mortgage professional regarding if you could be approved for a loan, the loan officer needs to look closely at your credit score, your recent pay stubs and your Income tax return for those two years before giving you an answer about your eligibility for a loan.
Barbara E. Nowak