The mortgage process:

There are some important factors in determining how much money you may borrow and how much house you can afford:

- Monthly income

- Monthly expenditures

- Credit history

- Employment history

- Anticipated down payment

- Desired mortgage payment

Our E-Z Credit Application is a free pre-qualification service that helps determine your borrowing eligibility in a speedy manner.

You will need to provide the following income and employment information to mortgage lenders in order show you are eligible for a home loan:

- Current pay stubs (at least the past 30 days)

- Current W-2 Form

- Bank account information (full statements from past two months)

- Copies of driver’s license and Social Security card

Note: For the self-employed and retired, there may be additional requirements. Check with your Piedmont Companies representative for further details.

At Piedmont Companies, we keep you abreast of every step of the mortgage process, including:

- Ordering a home appraisal

- Advising you about necessary home inspections

- Requesting any information the lender needs to complete your application

- Keeping you updated on a continual basis

After your loan has been approved, your rate has been determined, and you are ready to take the keys to your new home, you will be joined at the closing by your settlement attorney and the home seller.

If applicable, you will need to bring a certified check or a cashier’s check to pay your closing costs.

Note: In many cases, Piedmont Companies will pay all of your closing costs.

Determining how to keep the financial commitments of your mortgage can be a daunting task. However, Piedmont Companies and our lenders do not leave you alone in this endeavor.

Among other things, our team will:

Pay for your homeowner’s insurance for the first year

Provide you with monthly statements for the life of your loan

Assist you with escrow account information

Offer customer support

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