A Good Lender mortgage and loan services

A Good Lender has a wide variety of loans available for purchasing or refinancing a property or project you have. Contact A Good Lender for help today.

925-326-9900
Email: info@agoodlender.com

A Good Lender
4683 Chabot Drive Suite 280 Pleasanton, CA 94588

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  • Loan Products
    • Our Available Loans
      • Conforming Loans – Fannie Mae/Freddie Mac
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      • Reverse Mortgages
    • Non-Traditional Loans
      • True Jumbo Loans
      • Commercial – Business purpose loans
      • Unique – Unique loans for exception loans
  • The Loan Process
    • Loan Steps
      • An overview of the loan process
      • Closing the Sale
      • Closing Costs
      • Mortgage Broker vs. Retail Loan Officer
      • Loan Application Information
    • Mortgage Saving Tips
      • Top Home Buying Mistakes to Avoid!
      • Things to avoid before buying a home
      • Make Private Mortgage Insurance a Thing of the Past
      • Shopping Around?
      • Which Refinancing Option is Best for You?
  • Meet The Team
    • Meet Rodney Roloff
    • Meet Nick Amani
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Loan Application Information

What information will be needed for the application (and how it’s kept private)

Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission — that is, if you’re giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure.

Here is a list of the information mortgage lenders will use to consider your loan application.

For all loans

Social Security Number, for borrower and co-borrower if any
Copy of Social Security Card and Drivers License

Employment History
For the last two years, employment dates, addresses, salary.
Current pay stubs, 2 years W-2 forms, 2 years 1040s.

Check and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers and balances;
Address of bank if out of town
Last 2 months’ statements

Stocks, Bonds, and Investment Accounts
Broker’s name and address, description of stocks, bonds, etc.
Last 2 months’ statements or copies of stock certificates

Retirement Plan
Approximate vested interest value
Copy of latest statement

Automobiles
Make and model of automobiles, their resale value

Other Assets
Market value of personal and household property

Liabilities and Other Non-Mortgage Debt
Creditors names, addresses, account numbers
Monthly payments and balances

Other income information you may need

If you’re self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You’ll need two years’ personal federal tax returns

If employed in family business
Personal federal income tax returns and all schedules for the past two years

If divorced or separated
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don’t have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

If you own real estate

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you’ve sold your home but not closed:
A copy of the sales contract

If you’ve sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement

If you rent

Name, address and phone number of landlords for the past 24 months

If you’re buying a home

Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient’s accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications

A Good Lender
NMLS #1692403
925-326-9900
info@agoodlender.com
4683 Chabot Drive Suite 280
Pleasanton, CA 94588

Loan Products

  • 7 Advantages To FHA Loan Financing!
  • Conforming Loans – Fannie Mae/Freddie Mac
  • VA Loans for you
  • True Jumbo Loans
  • Reverse Mortgages
  • Commercial – Business purpose loans
  • Unique – Unique loans for exception loans

925-326-9900
info@agoodlender.com
4683 Chabot Drive Suite 280
Pleasanton, CA 94588
NMLS #1692403

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A Good Lender fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. ! This material is not from HUD or FHA and has not been approved by HUD or a government agency.

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