purchase
Homeownership starts with financing. Let us show you the loan
options available and find the right fit for your mortgage needs.
purchase loan
As a new home buyer, there are many options when it comes to financing your home. Between the types of loans available, and negotiating your rates and payment options, finding the most suitable home purchase loan takes some work. You need a team of experienced professionals who have your best interests and not a commission in mind.
At Bennett Home Mortgage, our goal is to find you the best loan with the most competitive rate and terms, so you can move in sooner with less effort. Let us help you navigate the unpredictable housing market, and provide you with the safety, security, and peace of mind that comes with closing your loan quickly.
As your trusted partner throughout the homeownership process, we will be with you every step of the way–from application to closing!
highlights & eligibility
- Credit Score requirements vary based on the loan program
- Down payments also vary based on the loan program
- Self-employed borrowers also eligible through specialty programs
Required documents checklist
- Executed contract
- W-2 for the previous 2 years
- Paystubs covering a 30-day period
- Most recent 2 bank statements on all depository accounts being used for this transaction
- Mortgage statement, insurance, taxes, and HOA for each property retained if applicable
- For Self-Employed borrowers only: the above-listed items PLUS business and personal tax returns for the last 2 years
other items that may be required, where applicable
- Final divorce decree
- Proof of child support receipt and continuance
- Bankruptcy discharge
- Copy of a green card
- Disability award letter
- SSI award letters
ANN’S TIPS:
“It’s highly recommended that you get pre-approved before shopping for a home.“
“Once you have started the loan process, do not apply for any new credit. In addition, try not to move money between multiple accounts (if possible).”
“Providing complete documents when requested will make for a smooth and quick closing.”