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Document Checklist

The approval process can include up to 10 different companies all working together to achieve one goal - Your Loan Approval.

Those involved may include the realtor, land seller, builder, mortgage company, construction lender, title company, appraiser, surveyor, etc. Luckily this is what we do everyday so we know what information to gather to expedite the process.

To begin we ask you to provide the following information:

Homeowner:

  • Identification [Driver's License & Social Security Card]
  • Pay Stubs [2 most recent months]
  • W2 Statements [2 most recent years]
  • Bank Statements [2 most recent months - all accounts]
  • Tax Returns [2 most recent years]
  • Land Contract or Land Loan Payoff
  • Land Plat or Survey
  • Explanation if own current home, plans upon construction completion
  • If Self-Employed: Business Tax Returns [2 most recent years], Balance Sheet and Profit-and-Loss Statement Current Year-to-Date

Builder:

  • Company Formation Documents [Cert. of Inc., LLC or DBA]
  • Minimum 3 Client References
  • List of Completed Projects [previous 2 years]
  • VA Builder Id [if applicable]
  • Home Contract or Proposal
  • Home Construction Budget
  • Home Floor Plans
  • Home Specifications
  • NOTE: Builder's Risk Insurance will be required before first draw
  • NOTE: Forms Survey will be required before foundation draw
Construction Financial Services, Inc. NMLS #310747
18568 Forty Six Parkway, Suite 3002, Spring Branch, TX  78070
Office:  (830) 438-4558
Loans@ConstructionFinancial.com
Copyright © 2017 Lenders are required to provide the "Your Home Loan Toolkit", which has been provided by the Consumer Finance Protection Bureau created to comply with federal law pursuant to 12 U.S.C. 2604, 12 CFR 1024.6, and 12 CFR 1026.19(g). This is for all loan transactions effective 10/3/2015. Please click on the link to download a copy. http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

CONSTRUCTION FINANCIAL SERVICES, INC. IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS, AND BY STATE LAW, IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
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