The West’s Leader in Affordable
Housing since 1968
Delivering Golden West and Marlette Homes
North to Alaska, South to San Diego and East to Montana
ALBANY, OREGON DISPLAY CENTER, I-5 Exit 228 / Hwy. 34 Jct. 877-601-8844
BEND, OREGON DISPLAY CENTER, 1/2 Mile South of WalMart on Hwy. 97 S. 866-631-8844
KLAMATH FALLS, OREGON, 2645 Anderson Avenue 877-497-1250
Step by Step Guide to the
Loan Application Process
This is an overview of how to complete the
three crucial phases of your loan aquisition. Please take some
time to become acquainted with the process of securing your
home loan. Our finnce professionals will gladly meet with you
to discuss what finance options are available for your project.
Phase 1: This is information you’ll have to gather
and have ready when submitting your application to our finance
department.
“Inter-City Housing’s finance
department, Western Mortgage, helped us through the whole
process. If we had any questions, they would deliver the
answers in a timely manner. We received excellent
service.”
-- Vivian, Glenda and Ron M., LaPine,
Oregon
1) Complete and sign your application for
credit.
2) Show your income verification for the
last two months. Bring in pay stubs showing Year-to-Date. If
your income includes child support, you’ll need a copy of
your divorce decree. Social Security income will need a copy of
the award letter.
3) Verification of employment.
4) Bank statements: two months showing
down payment availability and reserves.
5) Land purchase contract, or recorded
warranty deed and property tax statements.
Phase 2: This is information must be available prior to
ordering the title search and appraisal
1) Final Purchase Agreement
2) Site Improvement Bids
3) Site Plot Map
Phase 3: This needs to be available prior to closing your
loan.
1) Insurance information: Agent’s
name, address, phone number.
2) Copy of Building Permit.
“We are very happy campers. We had a
lot of signing to do and they made it fun. They covered all the
bases and when we left the office we had smiles on our
faces.”
-- Tom and Mary M., Bend, Oregon