How to Get a Mortgage

If you’re like most people buying a new home, you’ll finance the purchase by getting a mortgage. Applying for a home loan requires a certain amount of preparation and documentation. In order to avoid delays and multiple meetings, it’s helpful to know what to expect from your first meeting with your mortgage broker.

How to get a Mortgage, Step One: Personal Identification. You’ll need a valid, government-issued photo ID in order to get your application process started at First Rate Mortgage.

We will need your social security number, your date of  birth and current address. You should also be prepared to provide any former addresses you’ve had in the past two years.

Documentation Require by Mortgage Lenders

Obtaining a mortgage requires financial information. Banks can’t simply take your word, so you will need to provide these documents. Whether you’re starting with a mortgage pre-approval or are refinancing an existing home loan many of the documents required are the same. Documents you will need to get a mortgage include: your most recent statements from all banking and investment accounts as well as two years’ worth of employer information.

We would love to help you out by answering any questions you may have whether you’re a first time home buyer or looking to refinance your current home loan. Give us a call at First Rate Mortgage in Fremont and we can help you with your home loan needs.