Florida First Time Home Buyers Required Documentation


 Florida first time home buyers you’re on your way to becoming a first time home buyer. You’ve been pre approved, you’ve found your home and the contract is accepted and finalized. Some great advice is to have fast and easy access to  all of your documents so that when requested you can forward. Upfront documentation that you will need usually begins with your last months worth of paystubs, last 2 months worth of bank statements all pages front and back even if blank, your last 2 years w2’s along with full tax returns all schedules and pages, copies of drivers license and social security card.

Mortgage Lenders are dotting their i’s and crossing their t’s. Previously lenders would simply ask for w2’s. Times continue to change. Don’t be surprised if they request full tax returns, all schedules and begin to ask questions about unreimbursed employee expenses on a job you no longer have. These types of requests are becoming more common each and every day.

If you are just starting out as a Florida first time home buyer be sure to to explain as many details to your mortgage professional. The more you share the easier it will be for he or she to structure your loan package to obtain full loan approval. 

If you recently had a poor mortgage experience and have a few questions you contact me by leaving me a reply.


About Edgar DeJesus

Edgar DeJesus, a Husband first and foremost who shares his life with his loving wife Emily and their pet Charleston(chocolate American Cocker Spaniel). Fellow colleagues recognize him as one of the top mortgage planners in the Tampa Bay market and a fellow professional you can count on, his clients love him for being their trusted advisor. What keeps this hardworking mortgage planner going is his pure passion to deliver an extraordinary customer service experience. The question behind his motivation is simple - What differentiates him from every other real estate financing professional? He answers the question by saying: On every mortgage I provide for a client I treat it as if I were buying or building a home for my family, consolidating my debt, lowering my interest rate, or improving my own home. I deliver no less than I would expect if someone were providing me with a mortgage and most important their want & need is my want & need. He also says it is not just about providing mortgages, it’s about building life long lasting relationships. Some of his favorite hobbies are spending time with his family and friends, playing golf, dining at steakhouses, & fellowship with others. Satisfaction for Edgar DeJesus comes from not only closing loans but rather opening doors. Receiving referrals from clients is a great compliment he can receive and the greatest compliment is to have clients repeat their loan experience with him. A great demonstration that he does not over promise and under deliver.
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