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Talk about a big ticket item!

Buying a home will launch you into a whirlwind of activity with lasting personal and financial impact.  Done right, you'll achieve not only your perfect dream home, but also a sound investment for your future. 

It's never been more important to be an informed buyer.  Maureen Moran can help with vital information and expert guidance each step of the way.

Market news you can use from Realty Times 

Documents required by a lender may vary, so be sure to follow your lender's instructions accurately.

Buyer's General Finanacial Information

• Loan application, which includes a credit report
• Residence(s) for the last two years
• Employers names and addresses, complete with zip codes for last two years
• W-2s, 1099s or 1040 tax returns for the past three years and recent pay stubs
• Profit and loss statements (when self-employed) for current year and previous two years
• List of savings bonds, stocks or investments and their approximate market values
• List of inheritances and their cash values
• List of account numbers, addresses, balances, and past two months' statements of all open bank accounts.
• List of account numbers, financial institution's addresses with zip codes, monthly payment, balances of all open and liability accounts (credit cards, personal and cosigned installment loans), and copies of the past two month's statements
• Copy of lease agreement(s) on rental property you own, mortgage held and notes due.
• Verification of down payment and closing costs
• Verification of additional income (stocks & bonds, face amount and cash values of life insurance policies, other real estate, veteran's benefits, pension, social security, trust funds, disability, overtime bonus, commission, interest income, etc.)
• Copies of alimony, child support and separate maintenance payments, with agreements, decrees and canceled checks
• Copy of military orders, if applicable
• Copies of titles to any motor vehicles or boats that are paid in full
• Copies of pending lawsuits, or former bankruptcies or foreclosures

Information About the Purchase

• Signed copy of sales contract with all riders and amendments
• Copy of listing sheet (a condo, then also homeowner association budgets and by laws)
• Copy of canceled deposit check (earnest money) on house
• Copy of gift letter, copy of gift check, and copy of deposit slip for gift check (if money for down payment is a gift from a relative)
• Copy of seller's title policy
• Copy of old survey or accurate lot size

Fees 

• Appraisal fee
• Credit report fee
• Other lender fees
• City, County and/or State transfer stamps
  
  
  

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