Call us at 707-921-2416

Checklist for a Smooth Experience:

Buyer

  • 2 Current Pay Stubs within the last 30 days
  • 2 Years W-2 statements
  • 2 Years Federal Tax Return if Self Employed (including all schedules and K1 statements) Signed Copies from the past 2 years. Current P&L statement also needed. Lenders use Adjusted Gross Income.
  • 2 years 1099 and current Award Letter fo Social Security or Disability Income (if applicable). Must attach the related bank statement (all pages including blank pages) showing the direct deposit.
  • 2 months Bank/Asset statements (all pages including blank pages) Statements must show the entire down payment
  • gift Letter (if applicable). Must attach 2 months bank statements showing gifter has the funds
  • Park Approval - Use the form included in your pre-approval package (not applicable for homes on land) OR copy of signed Park Lease.
  • Appraisal-Ordered by Empire Mobile Home Loans. Buyer pays fee direct to the Appraiser. Appraisal timeframe is estimated at 7-10 days.
  • 1 year Homeowners Insurance Empire Mobile Home Loans to provide insurance quote.
  • Driver's License: Valid U.S. Government Issued Photo ID
  • Social Security Card or ITIN Card (If using an ITIN, the number MUST be the same on the Paystub, W-2 and Tax Returns)
  • Verification of Employment. Ordered by Empire Mobile Home Loans

Buyer (Forms Included in the Pre-Approval package)

  • 1003 Credit Application
  • Loan Estimate
  • Mortgage Loan Origination Agreement
  • Deposit Verification Form
  • Borrowers Signature Authorization Form
  • 4506-T Form- Sign and Completed
  • Broker Disclosure

Escrow

  • Copy of Title Search with 120 day moritorium
  • Copy of Escrow Instructions
  •  Estimated Closing Statement
  • Tax Clearance Certificate
  • Death Certificate of Registered Owner (if applicable)
  • If home is in a trust, copy of sellers trust or certification of trust forms

Agent/Realtor

  • Purchase Agreement signed by Buyer & Seller on the same contract. No Digital Signatures Accepted. Buyer must wet sign or e-sign a certification page. Home info listed must match the Title Search.
  • Seller Interview Form. (Included in Buyers Pre-Approval Package) Entire Form Must Be Completed Tow Different Pone Numbers must be listed

Refinance Only

  • Copy of Title or Registration
  •  Copy of Mortgage Statement showing company name, account number and phone number
  • Copy of statemtents we will be paying off (debt consolidation only)
  • Copy of Repair/Upgrade Estimate (home improvement only)
  • Your most recent Property Tax Bill

Notes

  • Tax and Insurance Impounds are Required
  • 2 additional paystubs required prior to closing to cover the most recent 30 days.
  • Loan closing are estimated at 2-3 weeks once we receive ALL the items above
  • All loans are subject to underwriter approval