Lamar Smith Signature Homes invites you to speak with one of our preferred lenders for each of our communities. These professionals can prequalify you and provide information on loans that specifically fit your needs. They spend the extra time to understand the details of your needs and then work closely with you to create a solution that best suits your circumstances.
FIRST BANK MORTGAGE
Gretchen Johnson
(912) 330-9115 (O)
(912) 330-9116 (F)
OGLETHORPE MORTGAGE
Chris Beecher
(912) 826-2246 (o)
(912) 826-2365 (f)
SAVANNAH RIVER MORTGAGE
Scott Morgan
(912) 826-4600 (o)
(912) 826-7620 (f)
FIRST BANK MORTGAGE
Gretchen Johnson / Stacie Taylor
(912) 330-9115 (o)
(912) 330-9116 (f)
Loan Documentation
To make the loan process as easy as possible, we’ve designed a checklist to help you pull together the information you’ll need to begin processing your loan and expedite your approval.
Photo ID
The United States Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
Pay Stubs and Other Income
As verification of income, you will need to provide your most recent pay stub(s) covering a period of no less than 30 days. Additional income information, such as retirement, interest or dividends, trust income, rental income, child support, or alimony may also be needed.
W-2 Forms (2 Years)
In most cases, you will need to produce the past two years of W-2 forms provided by your employer.
Federal Income Tax Returns (2 years)
If a borrower is paid commissions or is self-employed, you will need to provide federal income tax returns, complete with all schedules, for the past two years.
Statements (2 Months)
In order to verify reserves, you will need copies of your last two months of account statements, including those for checking, savings, mutual funds, money markets, certificates of deposits, 401k, annuities, etc.
Sales Contract
A signed sales contract or purchase agreement on your new home will be needed before final approval.
All information presented is considered reliable; however, information including, but not limited to, the availability, pricing, floor plans, specifications, standard features, and community amenities are subject to change without notice. Plans and elevations are artists’ renderings and may contain options which are not standard on all models. Stated square footage and dimensions are approximate. All floor plans and elevations are the copyright of Lamar Smith Signature Homes, LLC, and may not be reproduced or reprinted without the express written consent of Lamar Smith Signature Homes.
