Paperwork Needed for Purchase in Irving, TX

Required Paperwork for Your Home Purchase Mortgage

Congratulations on taking the first step towards owning your dream home with Irving Mortgages! To facilitate a smooth and efficient mortgage process, it's essential to have the necessary paperwork ready. Here's a comprehensive guide to the documents you'll need when applying for a mortgage in Irving, TX:

Personal Identification:

• Government-issued ID: Provide a valid driver's license, passport, or state-issued ID for identity verification.

• Social Security Number: Your SSN will be required for credit checks and loan processing.

Financial Documents:

• Income Verification: Depending on your employment status, this could include recent pay stubs, W-2 forms, or tax returns for self-employed individuals.

• Asset Statements: Bank statements from the past few months to verify assets such as savings, investments, or retirement accounts.

• Employment History: Details of your employment history for the past two years, including employer names, addresses, and dates of employment.

Property Information:

• Purchase Agreement: A copy of the signed purchase agreement for the property you intend to buy in Irving, TX.

• Property Appraisal: The property appraisal report, which determines its market value, will be required during the loan processing stage.

Additional Documents (if applicable):

• Gift Letters: If you're receiving financial assistance or a gift from family or friends to cover part of your down payment, a gift letter and documentation of the transfer will be necessary.

• Explanation Letters: Any significant financial changes or discrepancies in your credit history may require explanation letters to provide context for the lender.

Next Steps with Irving Mortgages:

Gathering these documents in advance can significantly expedite the mortgage application process. Our team at Irving Mortgages is here to assist you throughout the process, ensuring a hassle-free experience as you secure financing for your home purchase in Irving, TX.

Get in Touch:

Have questions or need guidance on the required paperwork? Contact our expert team at Irving Mortgages to schedule a consultation. We're committed to providing personalized support and making your home buying journey in Irving as seamless as possible.

Disclaimer: Additional documentation may be required based on individual circumstances and loan programs. Always consult with our team for specific requirements.

Disclaimer: loan terms and requirements can vary. We recommend discussing your specific situation with our experts for personalized guidance.