Alberti Realty Associates - Resource Center

Get Approved for a Loan


Bill R. Alberti, Harbor Financial, LLC

Getting qualified is crucial in finding out exactly how much you can afford and what types of loans and interest rates are available to  you.  We specialize in the Valley, New Haven, Fairfield & Litchfield Counties, specifically Shelton, Milford, Seymour, Oxford, Southbury, Middlebury, Beacon Falls, Bethany, Orange, Woodbridge, Ansonia and Derby areas.  Let us help you with this process, this is a free, no-obligation service and your information always remains private.  For an accurate estimate, please include as much detail as possible. Please fill out the forms below to start your Prequalification.

Loan Checklist and Instructions


Print, Complete & Sign:  1)  Credit Authorization,   2)  Fair Lending Notice,   3)  Residential Loan Application. Form 1003.  Note, page 4 of Loan Application is a blank to add all Assets and Liabilities.  If you make a mistake on Loan Application Form 1003 cross it out, initial it and make corrections.    Do Not Use Whiteout.

              ***    PROVIDE COPIES ONLY.    ***    KEEP YOUR ORIGINAL DOCUMENTS    ***

  1. Provide W-2's for the previous two years and one month of paystubs if you are Salaried. If you are Self-Employed, Provide Tax Returns for the previous two years, including all schedules, and a YTD Profit and Loss Statement.  
  2. Provide a copy of your Driver's License, Social Security & Birth Certificate Cards.  Provide any Rental Agreements & Tax Returns for Rental Property for previous Two years, including all schedules.
  3. Provide Bank, Stock, Mutual Funds, IRA & 401K Account Statements for the most recent Three Months.
  4. If you are doing a Cash-Out Refinance, Provide a Letter explaining how you will use the Refinance Proceeds.
  5. If applicable, Provide a Copy of your Divorce Decree and Settlement Agreement.
  6.  If any borrower has Filed Bankruptcy, Provide the Discharge Notice, Filing and Schedule of Creditors.
     
  7. If Applying for a Home Equity Line of Credit or Loan (Second Loan/Mortgage), Provide your First Mortgage.  This should be with your original Closing Loan documents.
  8.                                                                                                
  9.  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.


Email Information to BillAlberti@SBCglobal.net or Fax to 203.888.5242

 

Bill R. Alberti