	A	B	C
1			Pre-Mortgage Checklist
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3	✓	Date	Task

4			Obtain a copy of your credit report from: https://www.consumerfinance.gov/external-site/?ext_url=http%3A%2F%2Fwww.annualcreditreport.com%2F&signature=onjbkkJHcB82a79dh0_moW1qIr8IpZ018WanBQBVX8M
5			One report for each individual signing on the loan application
6			Review the report, make a list of anything that is not correct
7			Contact the credit reporting agencies (all three) and report inaccurate information. They have an on line process for this purpose
8			If you have credit issues that are accurate but want to have removed, be sure to read our article on credit scores
9			You have done all that you can to correct your credit report
10			Sign up for Credit Karma and obtain your credit scores. These scores are not accurate but they track over time.
11			Create your budget using our budget tool found in our budget article
12			Populate the calcualtors in our budget article. See if you qualify form a debt-to-income basis
13			Create your plan to pay off/down credit cards of your debt-to-income ratio is out of balance
14			Work your plan to accumulate at least 3.5% downpayment funds plus closing costs
15			Three months out from meeting the loan officer, be sure any movement of funds in or out of your accounts is documented
16			Don't apply for a car loan or any type of credit card etc. within 90 days of the date you will be applying for a loan
17			If you are renting and your payments are not being reflected on your credit report, sign up with a service to have this done, see article on Credit Scores.
18			Collect your paycheck stubs for the 60 day period prior to applying for a loan
19			Find the last two years tax returns that were submitted. If you have not filed for the previous year and it's after April 15, get it done now
20			You will need to show where the downpayment funds come from e.g. deposited into your bank with a source of e.g. gift from parents
21			Print the last two months bank statements to take to the meeting with your loan officer. If there are two signers and they are not on all accounts than separate documents are required.
22			If you have been on the job less than two years be prepared to write a letter explaining your employment history
23			Try not to change jobs after you have submitted your mortgage application, do it before you submit.
24			Look over your credit report. Be prepared to document any outstanding debt e.g. mortgage, student loan etc. Show payment history
25			Read the entire series of articles. Some tasks are listed in those articles along with calculators and other tools to help you get to this point
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