How Do I Get Started?

CRB-Get-StartedI. View the pre-application checklist

Items needed for all application types:

  • Social Security numbers and birth dates of all borrowers
  • 24 month personal residence history
  • 24 month employment history including name, address and phone number of employers
  • Copies of pay stubs for last 30 days
  • Copies of W-2 forms for last 2 years
  • Bank statements and investment statements
  • Any other additional income you wish to include on your application (i.e., child support or alimony)

Miscellaneous items if applicable:

  • Pension and Social Security award letter
  • Divorce Decree
  • Tax returns for rental or investment or self-employed income
  • Bankruptcy papers – all pages including filing and discharge
  • Landlord contact information

Purchase:

  • Address of the property you are purchasing
  • Purchase Agreement, Addendum and Disclosure signed by both seller and buyer

II. Check your credit

The Fair and Accurate Credit Transactions Act gives you the right to check their credit report annually. You may request your free credit report from each of the three major credit bureaus: Equifax, Experian and TransUnion.

Request your free credit report at www.annualcreditreport.com

Begin the Application Process

  • Get Started

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    In Person Locations
    By Phone 800-250-8420
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    Peggy Hoffman
    VP/Mortgage Loans
    NMLS #684024
    Email Peggy
    507-645-3111

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    Thom Jones
    VP/Mortgage Loans
    NMLS #684025
    Email Thom
    651-634-9476

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