The Financial Process

The Application Process starts by gathering these items* for your Lender

• Pay Stubs (most recent one-month’s pay with 1-year totals)
• W-2/1099 (two-year’s worth)
• Tax Returns (two-year’s worth)
• Account Statements (two-month’s worth - from checking, savings, investments, retirement)
• List of Debt (credit card balances, car payment, etc...)
• Copy of Driver’s License

*Some Lenders may require additional information.

Remember, we have worked with our Preferred Lenders over and over again on every step in the process.

They know what is needed along the way in order to ensure there are no delays in finalizing your closing. Please be sure to follow any instructions they may give according to the timeline they give you. Staying on top of these details will ensure a smooth closing.

We work closely with your Lender* to coordinate the details of your closing. Once we receive notification that you are “clear to close”, you will be contacted to schedule the closing date and time.

Prepare for your closing by bringing a cashier’s check (amount given to you by your lender) made payable to the title company for the closing costs and down payment.

During the closing process, ownership of the home will be transferred into your name and you will get the keys to your new home!

*If you are not using a Preferred Lender, please be sure your Lender has made contact with the JTB Homes closing representative from the beginning of the Financial Process.