• Mortgage Broker Ashland
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    • Mortgage Broker Ashland
    • About
    • Loan Options
    • FAQs
    • Client Reviews
    • Apply Now
  • Mortgage Broker Ashland
  • About
  • Loan Options
  • FAQs
  • Client Reviews
  • Apply Now
Elite Mortgage Lender

Mortgage Broker in Ashland, OR

Mortgage Broker in Ashland, ORMortgage Broker in Ashland, ORMortgage Broker in Ashland, OR

Frequently Asked Questions

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Do's and Don'ts

When you work with a mortgage agent and begin the process of purchasing or refinancing a home, there are a few general “rules of thumb” that can help the process go more smoothly.  


Do: 

•Stay current on existing accounts 

•Contact your mortgage advisor with any questions  


Don’t: 

•Change jobs, quit your job or become self-employed 

•Buy a car, truck or van (or you may be living in it) 

•Use credit cards excessively or let current accounts fall behind 

•Spend money you have set aside for closing costs or down-payment 

•Omit debts or liabilities from your loan application 

•Buy furniture

•Originate any inquiries into your credit 

•Make large cash deposits without checking with your mortgage advisor 

•Change banking accounts 

•Co-sign a loan for anyone

What You Will Need


  • Last two years W2’s and/or 1099’s
  • Last two years Federal Tax Returns (1040’s), all pages and schedules
  • 30 days’ worth of paystubs, including pension or retirement income
  • Most recent month’s checking/savings account statement, all pages are required
  • Most recent statement for any IRA’s, 401K or stock accounts, all pages
  • Name and phone number of homeowner’s insurance agent
  • Copy of Rental Agreement(s) and property tax statement(s) for any rental properties owned
  • Copy of Social Security and/or pension award letters
  • Student loan repayment terms if they are in deferment
  • Signed and Recorded copy of Divorce Decree/Child Support Order (12 months bank statements if receiving support payments)
  • Complete copy of bankruptcy papers (including all discharge papers)

If Self-Employed

  • Last two years corporate and/or partnership tax returns 1065’s, 1120’s, K-1’s
  • Current Profit and Loss statement and balance sheet


Elite Mortgage LLC| Equal Housing Lender | NMLS 1795862 |Licensed by the State of Oregon. Some products may not be available in all states. Credit and collateral subject to approval. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. Subject to qualification.

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