*Most recent paystubs or letter of hire for new job

*Last two years W-2's

*Last two years tax returns if self-employed or receiving commission income

*Documents to verify other types of income ie, child support, social security, pension, etc. 

*Copy of bankruptcy including all schedules and discharge (if applicable)

*Copy of divorce decree (if applicable)

*Last two months bank statements

*Most recent statement on any retirement/investment accounts

*Contact information for your homeowner's insurance agent.

*Drivers license and social security card or military ID

Note:  If you have good credit and aren't taking any "cash out" of your home you may need very little documentation to do the loan.  Call Tracey or apply online, and she can run your loan through an Automated Underwriting program to give you the exact requirements and save you from searching for documents you don't need.

*Discuss interest rates with Tracey and consider "locking in" a rate

*Tracey will order the appraisal, flood certification, title policy, and existing loan payoffs.  (If you are in a flood zone, you will be required to provide proof of flood insurance.) 

*When the appraisal is received, Tracey will notify you and put the loan in for final underwriting.

*Close on the loan with an escrow officer at the title company.

Not always.  On fixed rate first mortgages,  SWBC will allow a one-time re-lock, if rates improve at least .25%.  This does not apply to adjustable rate loans, or other specialty products.  Tracey will notify you if this opportunity becomes available.  Once the loan closes, the rate cannot be changed.