Buying a home doesn't have to be rocket science, although it may seem that way when you first look into the process!

Through the Golden Oaks Mortgage Company there are specific steps that need to take place during the home buying process:

• Achieve "Advanced Approval" by applying online using our SECURE site or call Mike @ 1.888.263.6257
• Provide necessary documentation below for the "Advanced Approval" process
  • 30 Days of current pay stubs (One full month)
  • 3 Months of current bank statements (All pages for each account)
  • Most current retirement/stock/mutual fund account statements (Used for reserves requirements)
  • 2004& 2003 W-2's
  • 2004& 2003 Signed tax returns with all schedules (Needed if self-employed or claiming other income sources)
  • Divorce Decree (Needed if recently divorced, or credit and payment arrangements have been made)
  • Realtors name, company name, address, and phone number (If purchasing a new home)
  • Signed purchase agreement from Realtor disclosing property specifics (When available)
  • Current Landlord or mortgage company name, address, and phone number
  • Homeowner's insurance agent name, address, and phone number
• Make an offer and sign Purchase Agreement
• Golden Oaks Mortgage Company will order the appraisal and title to complete your loan
• Congratulations! You're a homeowner!

  All information disclosed to Golden Oaks Mortgage Company will be held in the strictest of confidence as required under Federal and Minnesota privacy laws.

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Call 763.262.3030 to speak with a Mortgage Consultant today!!!