Expect to provide information about your identity, income, assets, debts and the property involved in the transaction.

Common documents can include recent pay information, W-2s or tax returns, bank or investment statements, employment history and current debt information.

Self-employed borrowers, investors, borrowers using non-employment income and other scenarios may require additional documentation.

If a property is already under contract, provide the purchase agreement and relevant addenda early.

Assets can support the down payment, closing costs and required reserves.

Common sources include deposit accounts, investments, retirement assets, eligible gift funds and proceeds from another property.

Lenders may request statements and documentation showing where funds came from. Large or unusual deposits can require additional explanation.

Avoid unnecessary transfers while financing is being reviewed because a clear paper trail can make verification easier.

Begin with our secure mortgage intake so we have the information needed to review your financing request.

The secure application is provided through Blink Mortgage and opens in a separate window.

Start Secure Application

Debt-to-income ratio, or DTI, compares qualifying monthly debt obligations with the monthly income used to qualify for the mortgage.

There is no single DTI limit for every mortgage. Acceptable ratios depend on the program, underwriting method and overall borrower profile.

Credit is one part of the financing profile. Lenders may review your credit report and use a FICO score when evaluating the file.

Credit is not evaluated in isolation. Income, debts, assets, property, down payment and loan program also matter.

The amount a lender may qualify you to borrow is only one part of the decision.

Consider the full housing expense together with existing debts, savings goals and normal living expenses.

Use the Mortgage Calculator

The usefulness of a refinance depends on what you are trying to accomplish. Common objectives include changing the rate or payment, accessing equity, changing the term or restructuring debt.

A lower payment alone does not determine whether refinancing is beneficial. Consider closing costs, the new balance, the new term and how long you expect to keep the property or loan.

Explore Refinancing

Commercial real estate financing can include analysis of current or projected property cash flow, debt-service coverage, property type, condition and location.

The financial strength of the borrower or business, intended property use, financing objective, holding period and exit plan can also affect the financing approach.

Explore Commercial Financing

Closing costs are upfront costs associated with obtaining the mortgage and completing the real estate transaction, separate from the down payment.

Depending on the transaction, they can include lender charges, appraisal and other services, title and settlement costs, recording charges, prepaid items, taxes and insurance.

Estimate Closing Costs