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Mortgage Checklist

Ruth Hudspeth
Regional Manager
NMLS #69908
Office: 336.714.1560
Fax: 336.714.1561
Email: Send Email


National Strength, Hometown Service

At Fairway, customer service is a way of life. It’s our job to take care of you better than anyone else.

You can rely on me for smart home financing options and exceptional service. After all, Fairway believes we are only as good as our last loan. You remain a highly valued client of mine and, of course, I look forward to continuing to take care of your mortgage needs.

Purchasing a new home?

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.

Applying for a loan?

Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.

Remodeling your home?

Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.


Contact me today if you or anyone you know is ready to finance a new home.

Core Values from Fairway Independent Mortgage on Vimeo.





•   W-2’s for the previous two years

•   Paycheck stubs for the last 30 days (most current)

•   Employment history for the last two years (address any gaps of employment)

•   Checking and saving account statements for last 3 months (all pages). All non-payroll
    deposits must be documented – please make a copy of the check before you deposit it.

•   Statements for 401(k)s, stocks, other investments (most recent)

•   Signed tax returns from the last 2 years

•   Residency history over the last two years, with name, phone number, address and account
    number of landlord or mortgage company

•   If you paid off a mortgage in the last 2 years, need copies of HUD1 or Release/Satisfaction

•   Photo identification (valid Driver’s License or Passport) for applicant and co-applicant

•   Check or credit card information for credit report and appraisal fee


•   Copies of most recent 2 years corporate tax returns (with all schedules)

•   YTD profit & loss statement and balance sheet

•   Copy of business license or CPA contact information

•   1099s or K1 forms


•   Veteran DD214 or Veteran Reservists DD256

*   Additional items may be requested during the loan underwriting phase if more information
     is required to guarantee your loan 


•   If Refinancing: Copy of Note, Deed of Trust or Mortgage, HUD 1 Settlement Statement,
     Survey, and Homeowner’s Insurance information

•   Previous bankruptcy – need copies of Petition and Discharge, including supporting
    schedules A through K

•   Divorce Decree (if applicable)

•   Relocation Agreement – if relocation move is financed by employer, i.e. buyout agreement
    plus documentation outlining company paid closing costs benefits

•   Documentation supporting moneys received from social security/retirement/disability,
     i.e. copies of direct deposit bank statements, awards letter, evidence income will continue
     for at least 3 years

•   Rental property – copies of leases, plus mortgage statement, homeowner’s insurance
    and property tax statements


Fairway Independent Mortgage Corp.
514 S. Stratford Rd Suite 240, Winston Salem, NC  27103
Office:  (336) 714-1574
Cell:  (336) 403-4237
Fax:  (336) 714-7409
Toll Free:  (866) 532-2634 Ext. 1574
Copyright © 2019 Fairway Independent Mortgage Corp.
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