Gather Your Paperwork


If it’s been a while since you gathered and reviewed the paperwork needed for your loan approval, it’s a good time to update it now.

Update your application packet to make sure you have everything

  • Gather the most recent copies of any time-sensitive paperwork, such as paystubs, bank statements, etc.

  • Now is a good time to ask your mortgage broker in Utah that you’ve been talking with what additional documents you might need based on your specific situation.

Servicemembers and veterans should apply for a "Certificate of Eligibility" if you haven’t already

If you’re a servicemember, veteran, or surviving spouse interested in considering a VA loan, you’ll need the VA Certificate of Eligibility to qualify for the loan.

When in doubt, gather it anyway

Even if one of the lenders you are considering doesn’t need a particular piece of paperwork right now, they may want to see it once you get further into the application process. Having everything in the same place makes the rest of the process easier.

If you receive child support or alimony, you need to provide proof of that income if you want it to be considered

For example, you likely need a court order stating the amount and documentation showing the payments were received. If the payments are inconsistent or expected to end in the next three years, you may not be able to use this income to qualify for a mortgage.

If you're self-employed or have irregular or seasonal income, you'll need to provide more extensive documentation of your income

Requirements will vary based on the mortgage lender, the loan program, and your specific situation. Ask your mortgage broker you’re working with what you need.

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As a mortgage broker in Utah, we work with several mortgage lenders, enabling us to offer you a variety of Utah mortgages and refinance home loans at the best mortgage rates and lowest fees available. Working with several lenders allows us to offer more home loan options to help you achieve your goals. Whether you're buying a home or refinancing, Advanced Funding is here to help. Our mortgage loan officers are available to help you during regular business hours or a time that is more suitable to your needs. Call today for more information, 801-272-0600.

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As one of the most trusted and respected mortgage companies in Utah, Advanced Funding Home Mortgage Loans offers a variety of purchase mortgage and refinance products. Our licensed mortgage brokers are both knowledgeable and experienced to ensure you a pleasant home loan experience at the best interest rates available. We combine the use of technology, impeccable service, a dynamic management team, along with a well-trained, and experienced staff to produce results, such as great mortgage rates, low fees, and most importantly, a fast and pleasant loan experience.

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6589 South 1300 East, Suite 200
Salt Lake City, UT 84121

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