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What To Bring When Applying For A Mortgage Loan
 
Financing a home can be a confusing and time consuming process. At First State Bank, we want to make your home financing experience as trouble free as possible.

You can help us to do that by providing the following documentation when you apply.

General Information
  1. Names and addresses of your mortgage holder and/or landlord for the last two years.

  2. A copy of the executed sales contract, if purchasing a home.

  3. Copy of divorce decree if applicable.

Employment Information
  1. Names and addresses of all your employers for the last two years.

  2. Copies of your last two 30 day pay stubs.

  3. Copies of your W2's / 1099's for the past two years. If you are self-employed or received bonus income, please provide your complete tax returns for the past two years (corporate and partnership returns will also be required where applicable).

Assets/Liabilities
  1. Copies of your last two months bank statements on all depository accounts. Copies of stock accounts, mutual funds, 401K, etc. will also be required.

  2. A complete list of debts including account numbers, monthly payments and balance.

  3. If you have filed bankruptcy within the last seven years, provide a copy of the bankruptcy papers.
For more information please contact our Mortgage Loan Department in Waynesboro at 601-735-0350, toll-free at 1-800-383-0350 or in Meridian at 601-481-1051.
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