Submit the Perfect Home Loan Application

Knowing how to submit the perfect home loan application can help you start your homeownership journey off on the right foot. Here are some helpful tips to ensure a smooth loan process.

For a Smooth Process

An Inlanta Mortgage loan application is your first step to homeownership! No documentation is needed to submit a loan application, and you will not be required to provide it until you receive a Loan Estimate, but gathering required information now can expedite the loan approval process later. Required documentation will vary, but generally, here is what we will need:

YOUR EMPLOYMENT AND INCOME INFORMATION

• 2 years employment history including job titles, dates of employment, employer’s address, and phone numbers
• Letter of explanation of any changes in employment
• Pay stubs for the most recent 30 days
• Copies of W-2s for the last 2 years
• Copies of federal, personal, and business tax returns for previous 2 tax years, including all W-2s, 1099s, K1s, and all schedules. If filing an extension, please provide extension

YOUR RESIDENCE INFORMATION

• 2 years residence history, including addresses, dates, and phone number for landlord if renting
• If you currently own a home, please provide the most recent mortgage statement
• Name and phone number of your homeowners insurance agent

BANK & OTHER STATEMENTS

• Most recent 2 months or quarterly bank statements for all checking, savings, and investment accounts (all pages, even if blank)
• Most recent 2 months or quarterly 401K/Retirement statements (all pages, even if blank)
• Copy of cancelled Earnest Money check when it clears your bank account, along with most recent bank statement showing check clearing
• Non-payroll deposits—we will need to verify the source and receive explanation for non-payroll deposits to your accounts, including any transfers between accounts (make copy of any check you deposit)

IF APPLICABLE TO YOU, THE BELOW ITEMS MAY BE NEEDED

• Complete divorce decree and/or separation papers
• Alimony/child support income; proof of receipt may be required
• Bankruptcy discharge papers (including filings, discharge, and list of creditors)
• If receiving Retirement or Social Security income, award letter and proof of receipt may be required
• If any portion of your down payment or closing costs is coming in the form of a gift, please call us, because the documentation required for gifts is fairly comprehensive
• Once we pull your credit, we may need a signed letter of explanation and/or documentation for any inquiries and/or derogatory credit
• VA loan: DD214 and Certificate of Eligibility

How to Submit the Documentation

We offer several ways to submit copies of your documentation, including fax, secure email, online chat session, and mobile uploads. To start your loan application, click here to apply online now.