Debut Jewelry Trunk Show Invite

Debut Jewelry Trunk Show Invite

Debut Trunk Show in Raleigh NC

Come one, come all.. Join me to celebrate our local Raleigh jewelry artists in there debut trunk show event

When: November 8th
Time: 6-9pm

Where: Shag and Garnish Salon
8377 Creedmoor Road, Raleigh NC 27612.
http://www.shagandgarnish.com/

Bring friends, come shop, laugh, eat and drink. Please pass this along and share with everyone to make this an extraordinary event.

Artists include:
Megan Wakefield ( 32lbs)- Find her on Facebook under 32lbs
Jessie Voci ( J.Star Designs)
Amanda Wren (Wren Designs)

If you know that you are going to come then please send me an email chamlett@dtechstudio.com. If it is last minute don't think that your not invited :) I hope to see all of you there!

Thursday, September 23, 2010

Sources of Documentation for Mortgage Loan

If you have gotten passed the general application process then you are ready to support your application with supporting documentation. The loan officer or broker that you have chosen is going to require certain documentation to get your file submitted. One of the biggest pieces of advice that I can give is to listen and follow directions. Certain documentation and ways of documentation are required for a reason and it just holds up the process to give us only half. Just remember that we are only following instructions called guidelines issued by the federal agencies. Below is a list of sources if you are unsure as to where to find certain pieces of documentation.




SOURCE FOR MISSING DOCUMENTS


Income


Pay Stubs/Earning: Statements this item can be provided by your current or ex-employer. Most employers keep records for three to five years.



1099: This item can be provided by your current or ex-contractor. Most contractors keep records for three to five years.



W-2: This item can be provided by your current or ex-employer. Most employers keep records for three to five years.



1040: Individual Tax Return This form can be obtained by filing Internal Revenue Form 4506. This form can be located on the Internal Revenue Service’s website,www.irs.gov/pub/irs-fill/f4506.pdf or call 1.800.829.1040.

You may also try to contact your Certified Public Accountant.



Corporate Tax Return: This form can be obtained by filing Internal Revenue Form 4506. It will be needed if you have 25% of more invested in the company. This form can be located on the Internal Revenue Service’s website,www.irs.gov/pub/irs-fill/f4506.pdf or call 1.800.829.1040.

You may also try to contact your Certified Public Accountant.



Rental Agreement: A licensed real estate agent should have copies of this document if they assisted you in renting your home. This information is also found on Schedule E of your tax returns. Schedule E form can be obtained by filing Internal Revenue Form 4506. This form can be located on the Internal Revenue Service’s website,www.irs.gov/pub/irs-fill/f4506.pdf or call 1.800.829.1040.

You may also try to contact your Certified Public Accountant.



Divorce Decree/Separation Agreement/Child Support Agreement: Your attorney or the court system in which the agreements or decrees were issued is the best sources for these documents.



Assets

Bank Statements/Cancelled Checks/Verification of Deposits Banks can provide 3 months average balance verification on bank letterhead and signed by an authorized bank employee. Proof of deposits can also be obtained by providing the approximate date and amount of the deposit.


Gift Letter: The best resource to obtain this document is the donor.



Stock Brokerage Statements: You may contact your broker for additional copies of your brokerage accounts. Be sure to include all pages. Profit and Loss Statement are two sources are your Certified Public Accountant or Accounting/Auditing Department. Balance Sheet the two best sources are your Certified Public Accountant or Accounting/Auditing Department.



Miscellaneous


Warranty Deed: The listing and selling real estate brokerage should have copies of this statement in their files. You may also try the closing attorney or escrow/title company.



Purchase and Sale Agreement: The listing and selling real estate brokerage should have copies of this statement in their files. You may also try the closing attorney or escrow/title company.



HUD-1 Settlement Statement: The listing and selling real estate brokerage should have copies of this statement in their files. You may also try the closing attorney or escrow/title company.



Profit and Loss Statement: The two best sources are your Certified Public Accountant or Accounting/Auditing Department. Balance Sheet the two best sources are your Certified Public Accountant or Accounting/Auditing Department.



Warranty Deed: The listing and selling real estate brokerage should have copies of this statement in their files. You may also try the closing attorney or escrow/title company.



Driver’s License: Contact the State’s Department of Motor Vehicles to obtain verification.




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1 comments:

SellYourHouseUK

Selling house fast during the downturn economy may take some time but the property should not be undervalued. It should be evaluated accordingly in relation with the market price today.

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