Any Information You Submit Over My Website Is 100% Fully Secure I Respect Your Privacy!

 I never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best home loan with the lowest rates, I use that information to process and underwrite your loan. I am bound by federal law to keep your information secure. Mortgage America, Inc., is a direct lender. We process and underwrite your loan in our office. In most cases we will close the loan in our name Mortgage America. We fund the loan, we print the closing documents and wire our funds to the settlement agent for closing. At settlement we will assign your loan to the lender that will service your loan and it might be Mortgage America. In other words the lender that you will be making your mortgage payments to. We have total control of your loan as everything is done in our office. If you have furnished us the information listed below, the application and the approval usually take less than 1 hour.

There is NO Cost or Obligation for the application or the approval and we will provide you with a free copy of your credit report!

Here is a list of the information I will use to consider your loan application for approval.

Social Security Number, for borrower and co-borrower if any

Employment History
For the last two years, employment dates, addresses, salary.
Current pay stubs for the past 30 days, and W-2 forms for the past 2 years.

Checking and Savings Accounts and Certificates of Deposit Information.
Location of bank accounts, account numbers and balances;
Address of bank or branch you use for banking
Last 2 months'  bank statements with all pages

Any Stocks, Bonds, and Investment Accounts
Last 2 months or quarterly statements

Retirement Plan
Approximate vested interest value
Copy of latest statement

Automobiles
Make,  model and year of automobiles, their resale value

Other Assets
Market value of personal and household property

If you're self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:
Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You'll need two years' personal federal tax returns

If employed in family business
Personal federal income tax returns and all schedules for the past two years

If divorced or separated
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment:
A copy of the HUD-1 Uniform Settlement Statement

Name, address and phone number of landlords for the past 24 months

Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller

Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction builder contract with cost breakdown, builder plan and specifications

If you have any questions at all don't hesitate to give me a call. Call Phil Throckmorton Toll Free ,  or Cell 302-530-2299. You can email me phil@mortgagebankamerica.com