Steve Andre

Steve Andre
Phone: 510.552.5572
Office: 510.580.6991
Fax: 510.744.3530
License #: 01371685







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    What You'll Need
    An essential first step in the home buying process is a "pre-approval" interview with a knowledgeable and experienced mortgage broker. This important step will help you set the perimeters of purchase price and monthly costs. You can then make your home buying decision from a position of financial strength, with confidence that you have the ability to complete the purchase.

    To expedite the process, you will want to collect as many of the following documents as possible to bring to your "pre-approval" interview.

    bullet YOUR IDENTITY (1 or more)
    bullet Copy of Driver's License or State ID
    bullet Copy of Social Security Card
    bullet Copy of Resident Alien Card
    bullet YOUR INCOME
    bullet 2 current pay stubs (most recent)
    bullet 2 years W-2s (most recent)
    bullet 2 years tax returns (most recent)
    bullet If self-employed - current Profit & Loss Statement
    bullet YOUR ASSETS
    bullet Bank accounts: Name of bank, address, account number, balance
    bullet Copies of 3 months bank statements (most recent)
    bullet Stock & bonds, IRAs, Mutual funds (copies of most recent statements)
    bullet If down payment is a gift - gift letter from donor
    bullet YOUR CURRENT DEBTS
    bullet Creditor's names, addresses, account numbers, balances due
    bullet Name, address, account number, and phone of landlord or current mortgage
    bullet 12 months canceled checks for rent or current mortgage
    bullet If negative items on credit report, letter of explanation
    bullet OTHER REAL ESTATE OWNED
    bullet Present value
    bullet Balance due on mortgage: Name, address, account number of mortgage holder