The Loan Application
Know what you need to know!
You will be asked to provide detailed financial information when you apply for a mortgage. Be prepared with the following information.
Purchase agreement
Funds for appraisals, credit reports and lending fees
12 months cancelled rent/mortgage checks
W-2 (2 years) and the last thirty days pay stubs
Last 2 years tax returns
Bank statement, last few months – all accounts
Certificate of Eligibility (VA)
Divorce decree/seperation agreement if applicable
Other papers may be required depending on the loan
Realtors represent clients in a number of ways
Click to download Disclosure Form
Customer:
A customer is a party to a real estate transaction who has established no intermediary or agency relationship with any Broker in that transaction.
Buyers Agent:
Represents you, the buyer. The Realtor has a fiduciary responsibility to work for your best interests. When I represent you I make sure your needs are met.
Seller’s Agent:
Represents the seller. The Realtor has a fiduciary responsibility to the seller.
Intermediary:
A Broker engaged as an intermediary does not represent the buyer or the seller, but acts as a middle man. The intermediary must exercise reasonable skill and care and must comply with Wyoming law.
Communication:
Listening to you and keeping you informed. Needs – showing you properties that fit what you want. Simplifying the home buying process.