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Getting Started

Getting Started

Step-by-Step, We'll Get You Home

Visit our library of loan literature.

One of your greatest advantages in the home-buying process is knowledge. Your Allen Tate Realtor and Mortgage Consultant will provide you with a wealth of excellent information to help your understanding of what to expect and increase your comfort level. We’ll be happy to answer all of your questions and explain each step of the process. Additionally, the following resources (downloadable and printable) provide information you may find helpful as you move forward on your journey toward homeownership.

Printable Documents

Information Needed for Mortgage Application

What information do you need to apply for a mortgage? Today's lending requires extensive documentation. Here is a list of items you will need to bring to complete your mortgage loan application so you'll be ready.

Consumer Handbook on Adjustable-Rate Mortgages (ARM)

Published by the Federal Reserve Board, this 41-page handbook gives you an overview of Adjustable-Rate Mortgages (ARMs), explains how they work, details the various types of ARMs and discusses some of the issues that you might face as a borrower.

Consumer Guide: Credit Reports and Credit Scores

Your credit history and activity are important, especially when purchasing a home. This new publication, published by the Federal Reserve, helps you understand your credit report, credit scores and credit bureaus, and provides answers to some of the most common questions about establishing, maintaining and improving your credit.

Loan Estimate Example

The Loan Estimate Form provides information on your settlement charges and loan terms.

Closing Disclosure Example

The Closing Disclosure form is the comprehensive list of all charges and credits that you will incur as a borrower at loan closing. This form mirrors the information provided on the Loan Estimate.

Home Loan Tool Kit

The Home Loan Tool Kit is a step by step guide to walk potential buyers through the homebuying process.

IRS Form 4506-T Request for Transcript of Tax Return

You will need copies of Federal income tax returns for the past two years to complete a mortgage application. Use Form 4506-T to request tax return information. You may also designate a third party, i.e. your mortgage lender, to receive this information.

Monthly Household Budget (Excel)

This document will allow you to determine your monthly income vs. fixed expenses, creditor payments and variable expenses, to estimate your target mortgage payment and determine if you are financially ready to become a homeowner.

TRID Overview

This document provides an overview of the new Federal regulations called TRID (TILA/RESPA Integrated Disclosures) effective October 2015. The most significant changes impact forms and deadlines involved in getting a mortgage loan.

TRID Q&A

This document provides answers to frequently asked questions about the new TRID requirements that became effective in October 2015.

Your Home Loan Tool Kit

This document, prepared by the Consumer Financial Protection Bureau, details how new TRID requirements (October 2015) have changed the mortgage loan process.

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