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Linda Willer
Realtor®, CRS, ABR, SRES
RE/MAX Hall of Fame Member
Prompt, Polite & Never Pushy!
RE/MAX Action Real Estate
1770 Timberwood Blvd.
Suite 101
Charlottesville, VA  22911
Tel: 434.985.4094
Cell: 434-760.1421
Email: LindaWiller@remax.net

Providing high quality real estate services in the City of Charlottesville and the surrounding counties of Albemarle, Fluvanna, Greene, Louisa, Nelson, Madison & Orange.

What Info Does the Lender Need From Me?

Your mortgage lender wants to help you get the best rate possible. To do that, he will ask you questions such as these:

  • How long do you expect to stay in the home?
     
  • How long do you expect to keep this mortgage?
     
  • How much cash do you want to commit to this purchase?
     
  • What size mortgage payment would be comfortable for you?
     
  • Do you anticipate any changes in your income or cash flow?
     
  • How does your mortgage fit into your overall financial goals?
     

When you are ready to apply for a mortgage, have the following paperwork ready:

  • Employment history: 2 year history including names and addresses of each employer
     
  • Automobiles owned: year, make, model and value
     
  • Stocks, bonds, CD information: complete statements for the most recent 2 months showing account numbers and addresses
     
  • Retirement plan: approximate value of the plan and a copy of the most recent statement
     
  • Credit information: creditor names, addresses, account numbers, payment amounts, and balances for each account (including credit cards, automobiles, student loan, etc.)
     
  • Proof of income: W-2 forms for the last 2 years and pay stubs for the last 30 days; if self-employed, bring year-to-date profit-and-loss statement
     
  • Social security number
     
  • Estimate values of your assets: personal property, furniture, boats, jewelry, antiques, etc.; include last 60 days of bank statements
     
  • Real estate owned: addresses for other real estate owned plus any rental agreements and mortgage information
     
  • Tax returns: full tax returns for the last 2 years if self-employed, employed in a family business, own rental property or have income from commission, bonuses, tips, trust income, corporate ownership, or if claiming employee expenses
     
  • Names and addresses for all landlords and mortgage companies in the last 2 years


Start shopping online! Email LindaWiller@remax.net for property listings in your price range

ABR - Accredited Buyer RepresentativeCRS - Certified Residential SpecialistEqual Housing OpportunityMLS membershipREALTOR® certificationSRES - Seniors Real Estate SpecialistRE/MAX Hall of Fame Recipient