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First Time Home Buyer
Experienced Home Buyer
Refinance Your Mortgage
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Applying For Your Loan Is Easy!
Please select the option most convenient for you.
Please select the option most convenient for you.
- Complete our Short Application Form. This process usually takes less than five minutes. A loan officer will contact you once we receive your application.
- Call us toll free at 1-866-462-0001 and we will take your application over the phone.
- Fill out our contact form and a loan officer will contact you to take your application.
Helpful Tips - Document Checklist
A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.
A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.
- Complete and sign the residential loan application. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout.
- If you are salaried: provide W-2's for the previous two years and one month of paystubs. If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.)
- If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules.
- To speed up the approval process, provide bank statements, statements for stock, mutual funds and IRA/401K accounts for the most recent two months.
- If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
- If applicable, provide a copy of your divorce decree and settlement agreement.
- If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
- If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
Great Discounts for HLS Borrowers
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Once you've locked a loan with a Home Lending Source Loan Officer, make sure to ask about the Homebuyers Privileges Program, giving you access to a number of great discounts on all sorts of needs for your new home. Click on the image or follow this link to find out what the Homebuyers Privileges Program has to offer. |
Testimonial |
The service I received was exemplary. I have already recommended them to my co-workers! |
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Joyce W.
(Elyria, OH)
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