Mortgage do’s and don’ts

Helpful Articles > First-time homebuyers

Mortgage do’s and don’ts

Do’s

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Do keep paying bills on time

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Do let us know of any significant changes (job, new expenses)

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Do get us all documentation requested on a timely basis

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Do tell us of large new deposits to bank accounts

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Do keep a paper trail of new deposits/transfers into bank accounts that are not payroll related

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Do use funds for closing from only the asset accounts we have verified

Don’ts

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Refrain from changing jobs, becoming self-employed or quitting your job

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Refrain from buying a new vehicle or other large purchases (furniture, appliances) on credit

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Refrain from using credit cards excessively and increasing credit card balances

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Refrain from making large deposits or changing banks without first checking with your loan officer

Looking to buy your first home?

When considering the purchase of a home, you’re bound to have questions. Well, you’ve come to the right place!

Steps to home ownership made easy

Purchasing a home can seem complex. Obtaining a mortgage shouldn’t be. Here is a simple checklist to get you started.

Top 5 reasons to get-prequalified

Getting prequalified is a great first step when beginning to shop for a home.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Common loan documents needed prior to closing your loan

Helpful Articles > First-time homebuyers

Common loan documents needed prior to closing your loan

*SecurityNational Mortgage Company does not require income documentation to complete a loan application or to receive a loan estimate.

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Last 2 years W2's

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Last 2 years tax returns with all schedules (if applicable)

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1099s and copy of business license (if applicable)

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Most recent pay stubs (minumum of 30 days)

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2 months most recent bank statements (all accounts and all pages)

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Explanation of any inquires on credit report (signed and dated)

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Copy of earnest money check and purchase contract (for purchase transactions)

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Mortgage statement (for refinance transactions)

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Most recent homeowners insurance policy and tax statement for all properties owned (if applicable)

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Trust documentation (if applicable)

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Trust documentation (if applicable)

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Divorce decree/separation agreement and child support order (if applicable)

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Identification documentation, such as driver’s license, permanent resident alien card, etc.

Looking to buy your first home?

When considering the purchase of a home, you’re bound to have questions. Well, you’ve come to the right place!

Steps to home ownership made easy

Purchasing a home can seem complex. Obtaining a mortgage shouldn’t be. Here is a simple checklist to get you started.

Top 5 reasons to get-prequalified

Getting prequalified is a great first step when beginning to shop for a home.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Top 5 reasons to get prequalified

Helpful Articles > First-time homebuyers

Top 5 reasons to get prequalified

Negotiate Towards a Better Price

Prequalified gives the seller confidence by being reassured that financing shouldn’t be an issue.

Reduce Stress

Know what terms you need, if you’ll want to ask for down payment and/or closing cost assistance.

Save Time

Don’t waste time looking at homes that are below, or above your true shopping range.

Avoid Heartache

Don’t fall in love with a home, only to find out that you can’t qualify.

Get an Accurate Credit Picture

If you need to dispute any information, it’s better to know up front. Credit repair can help!

Looking to buy your first home?

When considering the purchase of a home, you’re bound to have questions. Well, you’ve come to the right place!

Steps to home owner ship made easy

Purchasing a home can seem complex. Obtaining a mortgage shouldn’t be. Here is a simple checklist to get you started.

Common loan docs needed prior to close

A simple checklist of documents and items needed prior to closing on your home loan.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Looking for a home loan?

Helpful Articles > First-time homebuyers

Looking for a home loan?

When considering the purchase of a home, you’re bound to have questions. Well, you’ve come to the right place!

We’ve got the deep industry experience and long-term stability you’re looking for in a mortgage company. Our professional loan experts are ready to guide you through the process.

You’re unique, so the service you get should be tailored to your needs. Unlike a one-size-fits-all organization, we’re a full service lender with a wide range of loan products and competitive interest rates to meet your specific situation. Our in-house underwriting and processing expertise means a fast and reliable loan experience for you.

Feel free to poke around our website and learn a little about us and the various loan types we offer, visit our educational section with informative information, find a local branch near you, let us guide you to the next stop on your mortgage journey.

We can help navigate you to your desired destination!

Steps to home ownership made easy

Purchasing a home can seem complex. Obtaining a mortgage shouldn’t be. Here is a simple checklist to get you started.

Top 5 reasons to get-prequalified

Getting prequalified is a great first step when beginning to shop for a home.

Common loan documents needed prior to close

A simple checklist of documents and items needed prior to closing on your home loan.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Steps to home ownership made easy

Helpful Articles > First-time homebuyers

Steps to home ownership made easy

Purchasing a home can seem complex. Obtaining a mortgage shouldn’t be. Here are simple steps to get you started on your journey to homeownership:

1. Buyer obtains prequalification from lender

2. Buyer identifies desired home with a Real Estate agent’s help

3. Contract is accepted/home is placed in escrow

4. Loan application is submitted to lender

5. Lender orders title and property appraisal

6. Loan materials are reviewed and processed

7. Loan submitted to underwriting for approval

8. Preparation of the Closing Disclosure

9. Loan documents are signed

10. The loan is funded and recorded

11. Buyers get the keys to their new home

Looking to buy your first home?

When considering the purchase of a home, you’re bound to have questions. Well, you’ve come to the right place!

Top 5 reasons to get-prequalified

Getting prequalified is a great first step when beginning to shop for a home.

Common loan documents needed prior to close

A simple checklist of documents and items needed prior to closing on your home loan.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116