Berkeley Realtors Berkeley Realtor - Barbara Hendrickson
Serving Buyers and Sellers in the Bay Area including Albany, Berkeley, El Cerrito, Kensington, Oakland, Rockridge, Piedmont and the surrounding San Francisco East Bay Area


BARBARA HENDRICKSON
DRE License #00780582
Barbara@JustSellMyHouse.com
Cell:510-708-3800







Just Sell My House
Art Work By Barbara


For Buyers...

The Home Buying Process... Who Pays What? | Checklist for Loan Application | Components of a Mortgage Payment | The Loan Process | Shopping For A Lender | Getting Pre-Approved | The Inspection Process | Physical Inspection | Calculating Tax Savings

Checklist for a Loan Application

Purchase contract and property information
____ Complete copy of the sales contract
____ Mailing address and property description
____ Contact information for access to the property
____ Plans and specification (new construction only)

Personal information
____ Social security number
____ Age
____ Years of schooling
____ Marital status
____ Number and age of dependents
____ Current address and telephone numbers
____ Addresses for the past seven years (if more than one)
____ Current housing expense (rent, mortgage, insurance, taxes)
____ Name and address of landlord/mortgage holder (past two years only)

____ Employment history and income
____ Two years of employment history, with complete details of each job
____ Recent pay stubs and two years of W-2 forms
____ Complete tax returns and financial statements if self-employed
____ Written explanation of employment gaps
____ Records of dividends and interest received
____ Proof of other income

Assets
____ Complete information on all bank and money market accounts
____ Two months of bank statements
____ Current values of stocks, bonds, mutal funds and other investments
____ Vested interest in retirement funds
____ Value of life insurance
____ Information on any cars you own
____ Information on any real estate you own
____ Value of any significant personal property you own

Liabilities and debts
____ Itemized list of all current debts: loans, credit cards and other bills
____ Written explanation of any past credit problems
____ Full details of bankruptcy during the last seven years, if possible

Fees
____ Credit report and appraisal fees (usually $500 or less)

Back to For Buyers

Barbara Hendrickson

Phone: 510-708-3800
Email: barbara@justsellmyhouse.com

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