Here are two of my favorite lenders for you to be able to compare with your lender and make sure the financing works for you.  Remember, there is a lot more to a mortgage than just the rate!  When comparing, look at the APR at which you are being charged.  The APR is the total cost of your loan including the interest rate, lender fees, and lender points.  So, one lender may have a lower interest rate and a higher APR than the next lender.  This would indicate higher points and fees from that lender.  At that point, how long would it take you to break even by paying more in fees to get a lower interest rate?

Loan Officer:  Andrew Byrd
Licensed in Idaho and Washington
NMLS#1117336
208-292-4213
208-818-3768
andrew.byrd@wvbk.com
Andrew Byrd |Willamette Valley Bank

Here's a list of what lenders are going to ask you for initially.

• Your last two years home address' 
• Your Employment for the last two years
• Your most recent W2's, going back two years
• Last months paystubs showing YTD income 
• Last 2 years tax returns, ALL Schedules, personal and business.
• Retirement income:  SSI, Pension income, Disability income.  Awards letters for each.
• Divorce Decree if applicable
• Bankruptcy papers if applicable
• DD214 if doing a VA loan.
• Most recent two months Bank Statement

This information will get you started!  They will be asking for more items trust me!