- 1). Fill out a mortgage application with a lender. You will be asked to provide your full legal name, Social Security number and date of birth. Make sure the lender knows that you want to include your first and second mortgage in the new mortgage loan.
- 2). Bring the mortgage lender a copy of two months bank statements (all pages), two months pay stubs and two years tax returns, including W-2 or 1099 forms.
- 3). Purchase an appraisal by giving the mortgage lender a check for the service. The fee should be between $300 and $400, and the mortgage lender will have to order the appraisal for you.
- 4). Provide the lender with any requested information during the process, depending upon your situation. If approved for the mortgage, you should close within three to four weeks of application.
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