Welcome to First Properties of the Carolinas, Inc.
We are the premiere real estate company specializing
in Lake Wylie, Fort Mill, Tega Cay and Charlotte.
 
We are the First
First Properties of the Carolinas - We are the premiere real estate company specializing in Lake Wylie, Fort Mill, Tega Cay and Charlotte
  
Equal Housing Opportunity
Step by Step - The Buying Process
Benefits of Working with Us
Buyer Notification System
Qualifying Calculator
Purchasing New Construction
Getting Pre-Approved
Loan Application Checklist
Closing Costs Checklist
Who Pays for What at Closing
First Properties of the Carolinas - We are the premiere real estate company specializing in Lake Wylie, Fort Mill, Tega Cay and Charlotte - Loan Application Checklist
 
LAKE WYLIE
1 Executive Court
Lake Wylie, SC 29710
Phone:
Toll Free:
Fax:
803.831.2241
800.545.3342
803.831.8299
FORT MILL / TEGA CAY
2222 Gold Hill Road
Fort Mill, SC 29708
Phone:
Toll Free:
Fax:
803.548.0131
877.751.0131
803.548.1720
CHARLOTTE
11040 S. Tryon Street, Suite 202
Charlotte, NC 28273
Phone:
Toll Free:
Fax:
704.248.3500
800.943.7682
704.248.3501

Loan-Application Checklist

Please contact your lender for their specific requirements.
These are the items they may need.

General:

Picture ID with social security number of borrower and co-borrowers.
Application fee.
Name and complete address of all landlords for the past two years.
Income verification as follows:
Employment history for the past two years including names, addresses, phone numbers, and length of time with each company.

Copies of your most recent pay stubs and W-2 forms (past two years).

Verification of other income
(social security, child support, retirement, etc.).
If self-employed, you need copies of the past two years’ signed tax returns, including all schedules, and a signed profit-and-loss statement for the current year. Retirees need tax returns for the past two years.
If you have rental-property income, bring a copy of all lease agreements.

Assets:

Copies of all bank and credit union statements for the past three months.

Copies of all stock/bond certificates and/or the past three statements from all investment and retirement accounts.
Prepare a list of household items and their values.
Copies of title documents for all automobiles, boats, motorcycles, etc.
Face amount, monthly premiums, and cash values of all life insurance policies. (Cash value may be used for closing costs or down payments. You need documentation from the carrier indicating cash value.)

Creditors:

Credit card account numbers, current balances, and monthly payments.
Installment loans (car, student, etc.). Same details as for credit cards. Mortgage loans (property addresses, lenders and lenders’ addresses, account numbers, monthly payments, and balances owned on all properties presently owned or sold within the last two years). Bring proof of sale of properties sold.
Child-care expenses/support
(name, address, and phone number of provider).

Other:

Bankruptcy: Bring discharge and schedule of creditors.

Adverse credit: Bring letters of explanation.
Divorce: Bring divorce decrees, property settlements, quit-claim deeds, modifications, etc., for all divorces for yourself and your spouse.
VA only: Bring Form DD214 and Certificate of Eligibility.
Retirees: Bring retirement and/or social security award letter.

 

 

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