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Home buying

We want to make your home buying process as fast and easy as possible. To help, we've answered all of your questions, from what you'll need for the application to how much home you can afford, to what type of mortgage is right for you.

And to make the home buying process even easier, you're able to sign documents electronically! Talk with a banker to start the application process or apply online to get prequalified.

Getting started

Gather all of the information below to make the prequalification process quick and seamless.
 
  • Copy of driver’s license
  • W2 forms and tax returns from the last two years
  • Copy of 30 days' worth of pay stubs
  • Last two months of checking and savings bank statements
  • Most recent copies of 401(k), pension or other investment account statements
  • Any other documents providing evidence of other income you receive

Application process

When you're ready to meet with your banker for the loan application, make sure to bring all of the information below.
 
  • Signed copy of purchase agreement
  • Copy of cleared earnest money check
  • Blueprints, plans and specs for new construction
  • Information about the home
  • Copy of homeowners insurance policy (and/or flood insurance policy) if you are refinancing, or an insurance binder if this is a new purchase
  • Copy of most recent mortgage statement if you are refinancing

Special circumstances

Take a look to see if any of these special circumstances apply to you.
 
  • Copy of divorce decree and/or proof of receipt of child support, alimony and/or spousal maintenance
  • VA Certificate of Eligibility or DD214
  • Any award letters, if applicable (Social Security, Disability or Unemployment Compensation)
  • If you own investment property or a second home, provide copies of current rental leases and a recent mortgage statement
  • If in school in the last two years, provide copy of degree or certificate and certified transcripts
  • If selling a present home, provide a Settlement Statement (HUD-1)
  • If you are self-employed: 3 years of business tax returns, all schedules and K-1s, current business profit (may vary)
  • If you have gone through bankruptcy, please provide full copy of all bankruptcy documents and loss statement and personal financial statements

Checklist

Download our mortgage checklist [PDF]

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Need Help?

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Contact your Starion Personal Banker today.

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