The Lindley Team  |  503-517-8641 (click to call)

Congratulations on deciding to purchase a home. The Lindley Team understands that this can be a difficult and stressful process, which is why we’ve provided a checklist below to help you stay organized in the Portland mortgage process.

Make sure you have all your general information and documents together, this includes:

  • Your social security number
  • Your life insurance policy (if applicable)
  • Copy of divorce decree (if applicable)
  • Governmental financial assistance (if applicable)
  • Your credit card account information
  • All your personal loan account information (if applicable)
  • Auto loan account information (if applicable)
  • Proof of income (pay stubs or tax returns)
  • Two months’ worth of bank statements
  • Retirement account information (if applicable)
  • If you own other properties:
    • state your mortgage information
    • home equity
    • homeowner’s insurance policy information

Also make sure that you have your credit report reviewed:

  • Ask us to pull your credit so we can review together
  • If your credit report has incorrect information, we’ll help you correct it ahead of time
  • We will evaluate whether actions need to be taken to improve your credit score and credit worthiness
  • Assess if you are financially ready to purchase a house

In some instances, we’ll need to document additional assets/income, in which case you will also need to provide additional financial information:

  • Show proof of money in the stock market (if applicable)
  • Proof of down payment funds and closing costs
  • Source and document funds that are gifted to you, and provide a letter of explanation

As your local Portland mortgage lender, we hope this checklist can ease the process of obtaining a mortgage. There is a lot to take in when shopping the market for Portland home loans, and we are here to make this process as simple and stress free as possible.

​For more information or to get started today, please contact us at: 503-517-8641.

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