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. 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

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

Check and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers and balances;
Last 2 months' statements

Stocks, Bonds, and Investment Accounts 
Last 2 months' statements or copies of stock certificates

Retirement Plan
Approximate vested interest value
Copy of latest statement

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.

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

If divorced or separated
Complete executed divorce decree and settlement agreement

If you own real estate

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

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 VA Financing
DD214 and Certificate of Eligibility

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


Morgan Home Loan Funding 8996 Miramar Rd Suite 230 San Diego, CA 92126-4451
Phone: Fax:

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