1. The home buying process involves determining an affordable mortgage payment, finding a home that meets your requirements, making an offer, finalizing loan approval, inspecting the home, obtaining insurance, and closing the deal. 2. Key steps are getting pre-approved for a loan, working with a realtor to tour listings, submitting an offer that may be accepted or receive a counteroffer, finalizing the loan approval, inspecting the home, obtaining insurance, and attending the closing. 3. Navigating the process is easiest with a knowledgeable real estate professional to guide you and answer questions along the way.

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o5d HOME FINANCING
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APPLICATION
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Buying a home is an exciting event. However, the process can be
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a bit daunting if you don't know what to expect.
Home buying step-b y-s tep:
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1. Determine how much you can comfortably afford to spend on your
mortgage (and associated costs) each month.
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2. Think about exactly what you want, and don't want, in a home.
3. Get pre-approved (not just pre-qualified) for a mortgage.
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4. Share your home requirements with your Realtor and tour listings that
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meet them.
5. When you find the home you love, your Realtor will submit an offer to
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the seller. The seller will accept, make a counter offer, or reject
YOUR FIRST STEP TOWARDS YOUR NEW HOME
your offer.
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6. Once your offer is accepted, a contract of sale is drawn up. It will
detail price, terms and closing date. Earnest money will be deposited
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in an escrow account.
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7. Finalize your loan with your lender (if you took the time to become
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pre-approved, rather than just pre-qualified, this should be a
simple process).
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8. Have a qualified home inspector inspect the property you plan
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to purchase.
9. Obtain homeowner's insurance, go over the transfer of utilities, get
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final closing costs and confirm the date and location of the closing.
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10. Bring cashier’s or bank checks to the closing to pay your
closing costs.
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11. At the closing you will sign the closing documents and be given the
key to your new home.
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The easiest way to navigate the home buying process is with a
knowledgeable professional by your side. Please give me a call
with any questions. I look forward to assisting you!
BR00110 © In Touch Today Corporation and its licensors www.intouchtoday.com

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APPLICANT’S INFORMATION ASSETS CREDIT CARDS
Applicant’s Name ________________________________________
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Checking Account 1. Name ______________________________Balance __________
Date of Birth ______________SS # _________________________ Name Balance Account No. Acct # __________________________Mnthly Pymnt __________
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Married Unmarried ____________Separated __________________ ______________________________________________________ 2. Name ______________________________Balance __________
No. Dependents ___________Ages _________________________ ______________________________________________________ Acct # __________________________Mnthly Pymnt __________
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Present Address _________________________________________ ______________________________________________________ 3. Name ______________________________Balance __________
Own_________Rent ________How Long _____________________ Savings Accounts - Credit Unions Acct # __________________________Mnthly Pymnt __________
Prior Address: (Require Two Year History) ____________________ 4. Name ______________________________Balance __________
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______________________________________________________
______________________________________________________ ______________________________________________________ Acct # __________________________Mnthly Pymnt __________
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Home Phone ______________Work Phone ___________________ ______________________________________________________ 5. Name ______________________________Balance __________
Employer ______________________________________________ Acct # __________________________Mnthly Pymnt __________
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Address _______________________________________________ OTHER ASSETS 6. Name ______________________________Balance __________
Earnest Money Deposit ___________________________________
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Position _____________Gross Income _______________________ Acct # __________________________Mnthly Pymnt __________
Describe Other Income (alimony, child support, or separate Furniture and Household Goods ____________________________
Year and Make of Auto(s)__________________________________ PLEASE BRING TO APPLICATION
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maintenance income need not be revealed if the borrower does not (for all borrowers)
choose to have it considered for repaying this loan.) ____________ ______________________________________________________
A copy of your fully executed purchase / construction
______________________________________________________ ______________________________________________________
agreement signed by all parties(if applicable).
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Prior Employment for Past Two Years (Complete Addresses)______ Other _________________________________________________
Paystubs covering your most recent 30 day pay period.
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______________________________________________________ ______________________________________________________
______________________________________________________ ______________________________________________________ W-2 forms for the most recent two years.
CO-A PPLICANT’S INFORMATION
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______________________________________________________ Self-employed applicants must bring their 2 most recent
Applicant’s Name ________________________________________ (Attach documentation for additional Real Estate)
personal and business tax returns including all schedules and
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Real Estate Owned
Date of Birth ______________SS # _________________________ a year-to-date profit and loss statement and balance sheet
Married Unmarried ____________Separated __________________ Address Market Value Account No. prepared by an accountant.
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No. Dependents ___________Ages _________________________ ______________________________________________________
The 3 most recent bank statements (all pages) on all accounts.
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Present Address _________________________________________ ______________________________________________________
______________________________________________________ A check for the application fee (credit report and appraisal).
Own_________Rent ________How Long _____________________
(Attach documentation for additional Real Estate) PROPERTY TO BE MORTGAGED
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Prior Address: (Require Two Year History) ____________________ Name of Lender Mo. Payment Unpaid Balance Account No.
______________________________________________________ Property Address ________________________________________
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______________________________________________________
Home Phone ______________Work Phone ___________________ ______________________________________________________
______________________________________________________
Listing Agent ___________________Phone __________________
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Employer ______________________________________________ ______________________________________________________
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Selling Agent ___________________Phone __________________
Address _______________________________________________
Position _____________Gross Income _______________________
LIABILITIES Loan Type (if known) _____________________________________
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Estimated Down Payment _________________________________
Describe Other Income (alimony, child support, or separate 1. Name ______________________________Balance __________
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maintenance income need not be revealed if the borrower does not Acct # __________________________Mnthly Pymnt __________ Single family 2nd Home Investment property
choose to have it considered for repaying this loan.) ____________ 2. Name ______________________________Balance __________ The undersigned hereby authorized my lender to provide the credit
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______________________________________________________ Acct # __________________________Mnthly Pymnt __________ bureau with a copy of this application and the information hereon for
3. Name ______________________________Balance __________ the purpose of obtaining a credit report for this mortgage
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Prior Employment for Past Two Years (Complete Addresses)______
______________________________________________________ Acct # __________________________Mnthly Pymnt __________ application. I further authorize my lender to verify the information as
4. Name ______________________________Balance __________ stated in this application.
______________________________________________________
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ADDITIONAL INFORMATION Acct # __________________________Mnthly Pymnt __________
Landlord _______________________________________________ 5. Name ______________________________Balance __________ Applicant____________________________________
Address _______________________________________________ Acct # __________________________Mnthly Pymnt __________ Date __________________________________
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Phone ___________________Monthly Rent __________________ 6. Name ______________________________Balance __________
Previous Landlord _______________________________________ Acct # __________________________Mnthly Pymnt __________ Co-Applicant _________________________________
Address _______________________________________________ 6. Name ______________________________Balance __________
Phone ___________________Monthly Rent __________________ Date __________________________________
Acct # __________________________Mnthly Pymnt __________