We already are home owners but somehow to me it seems it doesn’t really count unless it’s in the US (though not necessarily with a mortgage…). So, what do I think about having our offer accepted? I’m ambivalent. And I don’t like being ambivalent.
The house is ok v. the location is awesome
We have great friends there v. I have no job there
We love Oregon-early intervention services are limited
So, I keep moving forward, one foot in front of th–Only the homework for a mortgage is ridiculous! See the following:
1.. I would like a pay history
2. Bank statements for BankA for October and November (most recent 60 days)
3. Bank statements for BankB for October and November (most recent 60 days)
4. IRA Statement: if a current statement is available, please send one
5. Deposit history. I think we’ll want to show a history of your payroll deposits. Can you print a deposit history? If yes, how far back can you go? I’d love to see at least 12 months, and longer if it’s an option.
6. An important detail is the ability to verify your employment. I’d like you to research from your end the easiest way from someone in the states to be able to call and have someone in human resources able to verify your employment. Additionally we’ll need to fax an employment verification form to be completed by the HR dept. I would think it’s pretty straight forward. In fact I’ll email one to you in a future email.
7. I think it would be nice to have a letter on letterhead that explains your job, your intention for buying in Eugene and how you’re able to work from Eugene.
8. Your residential history. I’d like a letter from you explaining the dates and addresses you’ve lived in previously. All is fine, but we need to document 2 years of residential history. So if you could write from ___to___ you lived at ________address. Include information that supports your address in XX and why you use it as your mailing address.
Not much? Keep in mind they already have 2 years of my taxes, 3 months of my bank statements… And I have great credit. My how times have changed from the days of handing out mortgages like candy eh?