Mortgages Offered

Application & Documents Needed for Loan Approval

Note: Most loans require proof of pretty much everything you put on your application.  I've broken down the requirements below and will work through the application.   Keep in mind that lenders use a standard Form 1009 Application.  ALL information, even if it seems trivial, must be provided in the loan process.  The more information you provide up front, the faster the loan will receive a final approval. 

Borrower vs. Co-Borrower: Usually, the higher earner is first, but this can vary when qualifying.  The same information is required for ALL borrowers.

Complete Application on our secure site

1. Online Application Link

   • • Online at: https://myloan.mortgageone.com/dr/c/dl0tp

     • You can use the QR Code above to access the loan application from your phone.  This application allows you to upload documents or take pictures with your mobile phone and place them directly in the secure online system.

2. Personal Information

   • • Complete legal name(s)

     • Contact phone numbers

     • Email Address: Each borrower must use their own email address, as this is used to authenticate signings throughout the process

     • Social Security Number: Individual Social Security numbers for each borrower are kept secure in our protected online system.

     • Citizenship - mark the appropriate Citizenship

       • • US Citizen

         • Permanent Resident Alien: A permanent resident alien (or Lawful Permanent Resident - LPR) is a non-citizen authorized to live and work indefinitely in the U.S., holding a Green Card (Form I-551). LPRs can own property, work without restrictions, and join the military, but cannot vote and must maintain residence to avoid abandoning status.  

         • Non-Permanent Resident Alien: A non-permanent resident alien (or nonimmigrant) is a foreign national lawfully in the U.S. for a specific, temporary purpose (e.g., work, study, tourism) under a valid visa. They do not hold a green card and have not passed the substantial presence test. They often require an Employment Authorization Document (EAD) to work. 

       • Military Service - Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? If "Yes", see below.

         • Currently serving on active duty - VA Loan Option

         • Currently retired, discharged, or separated from service: Individuals who served in the U.S. Armed Forces and have left active duty, classified as veterans if the release was under other than dishonorable conditions. They are entitled to benefits, including VA healthcare, separation moves (within 180 days or 3 years for retirees), and DD Form 214 documentation. 

         • The only period of service was as a non-activated member of the Reserve or National Guard: You served in a drilling status (e.g., one weekend a month, two weeks annual training) without being called to federal active duty. While not considered a "veteran" by the VA for most benefits without 20+ qualifying years or 180+ days of federal activation, this service is still honorable service, sometimes qualifying you for specific state benefits, National Guard retirement benefits (after 20 years), or VA medical care for service-connected injuries/illness. 

         • Surviving Spouse: Eligible surviving spouses of veterans can access VA-backed home loans to purchase, construct, or refinance a home with zero down payment, no monthly mortgage insurance (PMI), and no VA funding fee. Key benefits include competitive interest rates, flexibility for unmarried spouses of service members who died in the line of duty or from service-connected disabilities, and access to streamline refinancing. 

3. Preferred Language -  Please indicate the language you prefer if you have limited English proficiency.

4. Dependents & Marital Status

   • • • Marital Status

         • • Married

           • Separated

           • Unmarried

       • Is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse? 

         • • Yes: An unmarried partner, domestic partner, or cohabitant can have real property rights similar to a legal spouse, particularly if they are joint owners, have a cohabitation agreement, or live in a jurisdiction recognizing common-law marriage or equitable interest. These individuals may have rights to shared property, survivorship, or equitable distribution.  

           • No: Not Applicable

       • How many dependents do you have?

         • • Each borrower will indicate the number of dependents they have together or separated.  These numbers may not match.

5. Addresses

   • • • Current complete address where you are residing, including unit or apartment number.

       • Indicate if this is your mailing address.  If not, put in your mailing address.

       • How long have you lived at your current address?  Indicate years and months.  If you have been at your current address for less than 2 years, you will need to add the other addresses you have lived at and the length of time at each, totaling 2 years.

6. Employment Income - Check the appropriate box

   • • • Current Employment

         • I'm currently employed

           • Two-year employment history (I suggest writing down the history on a piece of paper and making sure employment covers two years.

         • I'm retired

         • I'm not currently employed

7. Other Income - If you have other income 

   • • • • Government Benefits: Social Security (retirement or disability), VA benefits, and public assistance.

         • Retirement & Investment: Pensions, IRA/401(k) distributions, annuities, dividends, and interest.

         • Court-Ordered & Support: Alimony, child support, and separate maintenance payments (must be documented).

         • Asset & Property Income: Net rental income, trust income, and royalties.

         • Employment-Related: Bonuses, commissions, overtime, tips, housing allowance, and automobile allowance.

         • Other Sources: Foster care income, notes receivable installment, and foreign income. Fannie Mae Single Family +7

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