A: The first step is to contact a lender and give them information about your employment,
income and credit so that they may determine what loan program is right for you and
what amount you qualify for.
Q: What should I have ready when I apply for a loan?
A: Social Security Numbers, copies of bank statements, recent paycheck stubs, a list of
your debts as well as your last 2 years W-2 forms.
Q: What if I am Self–Employed?
A: There are so many loan programs available for self-employed individuals with loan to
values as high as 95%. Depending on your credit score the rates can be quite
competitive.
Q: As a veteran am I guaranteed a loan?
A: No. You must still credit qualify and income qualify. VA just guarantees a portion of the
loan if you qualify through a lender.
Q: What does 100% Financing mean?
A: That means that you are not required to put a down payment on a loan but you may
still have some closing costs to pay depending on the loan program.
(Greenback, Lenoir City, Philadelphia, Tellico Village), Blount County (Alcoa, Maryville, Friendsville, Louisville, Townsend,
Walland), Roane County, Anderson County, Jefferson County, Sevier County, Morgan County, and Knox County (All of
Knoxville).