Buying a Home

We will be on your side every step of the way…

If you’re like most people, purchasing a home is probably one of the biggest investments you’ll ever make in your lifetime. If you’re considering buying a home, you’re likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it’s important to prepare as best you can.

At The Vista Team for Home Loans, we are dedicated to finding the loan that fits your individual needs.

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    Paperwork Needed

    To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:

    • Social Security numbers for both you and any co-borrowers

    • Copies of checking and savings accounts statements for the past two months

    • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)

    • Recent paycheck stubs

    • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment

    • The name and address of someone who can verify your employment

    • Residence history for the past two years

    • Sales contract for the purchase of a new home

    • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association

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