CHF Access half percent down brochure, pdf
Sheryl Arndt, standard needs list checked, pdf
Why Rent brochure
CHF Access income limits http://tinyurl.com/8lzf8he
Sheryl Arndt, Broker â€“ Loan Officer
However, if you are trying to qualify for a first time homebuyer's program, you will need to proved three years previous tax returns to demonstrate that you have not written off any mortgage interest. cg
Harold Sharpe - Broker
So Cal Homes
California Department of Real Estate Broker License # 01312992
If you are self employed these are, obviously, critical.
If you are a W2 employee and tax returns are unavailable, we will be requesting tax transcripts from the IRS.
Should those transcripts show any losses or any additonal schedules (A or C for example), we will need to see the complete tax returns for the past 2 years (2011 and 2010) with an explanation for whatever losses you may be posting, as well. Comments on whether or not the losses may nor may not be occurring again in the future.
One month of current bank statements (all numberedpages complete with account number and name).
Previous 30 days of pay check stubs.
This will get you started.
Check out by blog re: qualifying v. approval. cg
Most lenders like to see 2 years of tax returns.
The best thing to do is to ask around your friends and relatives who have bought property, and see who was happy with their lender. Give that lender a call, and start the conversation.
You will find that most lenders will be happy to take some time, and tell you the first steps you have to take.