First-Time Home Buyer

We do a lot of first-time mortgages at Lake City Bank, and we understand that there are many questions about how much house you can afford, about equity and escrow, and what it means to "get it all in writing." Our mortgage professionals help you prepare your financing to ensure a warm welcome at your first home's front door by offering:

• Loan approval before you buy your home
• A variety of loan programs
• Many programs with low down payment requirements

Confused or overwhelmed about all the paperwork needed to apply for a loan? You needn't be. At Lake City Bank, we'll make it easy for you. Here's what you'll need for all loan applications:

1. Copy of fully executed purchase contract
2. Copy of original pay stubs covering the last 30 days
3. W-2 forms from the last two years
4. Most recent three months of statements for all deposit accounts
5. Name, address, and phone number of landlord for prior 24 months
6. High school or college diploma, if received within past two years
7. Tax returns from past two years, if applicable
8. Most recent two years corporate partnership S-Corp or other tax returns, if applicable
9. Relocation agreement and phone number of relocation coordinator

Getting together with one of our experienced loan officers is the fastest way to get the ball rolling. Call or e-mail us to make an appointment, and, using the information listed above, we'll design a mortgage that's just right for you!

Financial Calculators
Mortgage Loan Glossary

*Subject to credit approval.