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Applying For A Home Loan

REQUIRED DOCUMENTS FOR YOUR LOAN:

  1. Pay stubs from the past 30 days
  2. Most recent two months’ statements for all bank and/or investment accounts
  3. Last two years’ W2 forms
  4. Last two years’ full tax returns
  5. Copy of your driver’s license and Social Security card
  6. Divorce decree (if applicable)
  7. Child support agreement (if applicable)
  8. Bankruptcy papers (if applicable)
  9. Certificate of Eligibility (for VA loans)

Note: If you are receiving a gift for any amount of money needed for closing, please inform your loan officer so you can receive instructions for the required forms and documents.

CLOSING AND BEYOND

Here is a brief look at some commonly asked questions regarding the closing process. For even more in-depth information, please contact a US Mortgage Solutions representative today.

WHAT HAPPENS AT THE LOAN CLOSING?

The closing will take place at the office of a title company or attorney in your area who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you, but in some states, these two events actually happen separately.

During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing should be able to answer any questions you have or you can feel free to contact your Loan Officer if you prefer.

WHO WILL BE AT THE CLOSING?

The closing agent acts as our agent and will represent us at the closing. However, your personal Loan Officer will contact you prior to closing to talk about your final documents and to provide a final breakdown of your closing fees. If you have any questions that the closing agent can’t answer during the closing, ask them to contact your Loan Officer by phone and we’ll get you the answers you need — before the closing is over!

WILL I NEED TO HAVE AN ATTORNEY REPRESENT ME AT CLOSING?

In some areas of the country it is very customary, and sometimes required by law, to have an attorney represent you at the closing. In other areas, attorneys are not as common at a real estate closing. Please contact the closing agent if you have questions about attorney representation. By all means, we recommend that you have an attorney at the closing if it would make you more comfortable. If your attorney has any questions about your new mortgage, please refer them to your Loan Officer. We’d be happy to provide any information necessary.

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 Monday – Friday 8:30am – 5:00pm

Phone:
 (205) 799-5540
Address:
 2316 University Blvd
Suite 100
Tuscaloosa, AL 35401

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Privacy Policy
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PRIVACY POLICY

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, whether in writing, in person, by telephone, electronically, or by other means.
  • Information about your transactions with us, our affiliates, or others. This information may include your account balances, income data, payment history, or account usage.
  • Information we receive from a consumer reporting agency, including your credit-worthiness and account information.

We DO NOT disclose any nonpublic personal information about you to anyone, except as permitted by law under the following circumstances:

  • To regulatory authorities and law enforcement officials.
  • To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
  • To our service providers to help us process your loan application or transaction. Our service providers include lenders, investors, appraisers, title and escrow companies, etc.

We protect your confidentiality:

We take our responsibility to protect the privacy and confidentiality of client information very seriously. We restrict access to your personal nonpublic information to those individuals within our company who need to know that information to provide services to you associated with your loan transaction. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We DO NOT provide any information about you to other companies for marketing purposes and our company does NOT maintain joint marketing agreements with non-affiliated third parties.

We MAY contact you by mail, electronically, or by phone, after your transaction with us:

  • To provide you with opportunities we feel would benefit your financial situation, for example a refinance of your current loan.
  • To determine your level of satisfaction with the service we provided you.
  • To keep you apprised of mortgage/real estate news with our Company’s newsletter.

Online Privacy Policy

US Mortgage Solutions (“us”, “we”, or “our”) operates the US Mortgage Solutions website (the “Service”). This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. 

Information Collection And Use

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to:

  • Name
  • Email address
  • Telephone number

Log Data

We collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related functions or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Other than noted above, we will never sell, rent, release, share, give away, or otherwise disclose, a consumer’s personal information.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws

We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us