application cp
application cp
Valley Tree Mortgage Roanoke Virginia and surrounding areas Edgar Ornelas. lending, tree.

Closing Costs

We will need copies of the following items, as they apply to you, when you complete your loan application for a home purchase:
~ 2015 & 2016 Tax returns, including all schedules, W-2’s and/or 1099’s. If you have 25% or more ownership in a business, business returns for the most recent 2 years are required.
~ Check stubs for the most recent 30 day pay period – if you receive social security or disability income, then we need a current awards letter; for retirement income a verification of income and proof that the income will continue for 3 more yrs is needed.
~2 months recent bank statements (checking/savings) – all pages (Computer generated print-outs are acceptable if your name and/or SSN and account # are on the print-out. An activity statement from your bank is acceptable if the bank signs & stamps the print-out)
~ Two most recent months statements for assets (Mutual Funds, 401(k), IRA, etc.) – all pages
~ Name & phone number for the agent handling your new homeowner’s insurance
~ Purchase Contract for new property (fully executed & all pages)
~ If you are selling a home, we need a copy of the fully executed Sales Contract
~ Divorce / Separation – copy of executed document(s) to verify obligations and support
~ If you have filed for bankruptcy in the past 3 years, we may need a copy of your bankruptcy documents, all pages filed, and the discharge letter.
~ For VA financing, we will need a copy of the DD-214 and/or Eligibility Certificate
~ If you are a resident alien, you will need to bring your green card.
~ If you currently rent, we may need your landlord’s name & telephone number to verify timely rent payments.
~ Copy of driver’s license(s) and Social Security card(s)
~ Appraisal fee: Will be collected prior to ordering appraisal - fee based on type of loan and property.  Some appraisals can be paid by credit card. 


Valley Tree Mortgage LLC
9 Wildwood Rd.
Salem ,  VA  24153
Phone: 540-444-0577

©2017 All Rights Reserved
Valley Tree Mortgage, LLC is licensed by the Virginia State Corporation Commission – License #MC-4723 – NMLS ID #292775 (  Interest rates may change or may not be available at the time of loan commitment or lock-in.  These are estimates and are provided for informational purposes only.