Local Lenders
Chris Madden, Homestead Funding Corp. 315.436.4342c
www.homesteadfunding.com/loanoriginators/chrismadden
Melissa Cappelli, Homestead Funding Corp. 315.317.2298c
mcappelli@homesteadfunding.com
www.homesteadfunding.com/loanoriginators/melissacappelli
Joseph Dougherty, Cross Country Mortgage, 315.567.6594c
www.crosscountrymortgage.com/PittsfordNY3174/JosephDougherty
Tim Beauvais, Genesee Regional Bank, 585.278.4885c
www.grbbank.com/homemortgage/ourteam/timbeauvais
Jeremy Thomas, SEFCU, 315.727.6582c
jthomas2@sefcumortgageservices.com
What You Will Need
Identity & Income Information:
- Full legal name, Social Security number, date of birth (SSN card copy may be required)
- Phone number, email, residential addresses for the past 2 years
- Primary and secondary income sources
- Government issued photo ID
- Employer names, addresses, phone numbers for the past 2 years
- Values of bank, investment, retirement accounts, and other assets
- Monthly debt obligations
- VA Certificate of Eligibility (for Veterans)
- Property address, year built, estimated down payment, purchase price
- Estimates of annual property taxes, homeowners’ insurance, HOA dues (if any)
Income Information for Self-employed Borrowers:
- Personal and business federal tax returns for the past 3 years
- Year-to-date profit and loss statement
- Complete list of business debts
Credit Information:
- Letter of explanation for late payments, judgments, collections, etc.
- Source of funds documentation for large deposits
- Judicial decree or court order for obligations due to legal action
- Bankruptcy/discharge papers for all bankruptcies
- Payment histories for utilities, cable TV, internet, phone, auto insurance, etc.
Income & Tax Documentation:
- IRS Form 4506T (request for tax transcript)
- W2s for the past 2 years
- Pay stubs for the past 30 days
- Federal tax returns (1040s) for the past 2 years
- Most recent 2 months’ asset and bank statements (all pages)
- Written explanation for employment gaps or <2 years of employment
- Purchase contract signed by all parties
- Homeowners insurance information, including agent’s name and phone number
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