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How To Pre-Qualify For A Mortgage

Pre-qualify for a mortgage to get a house faster.When you pre-qualify for your mortgage loan offers there are many advantages.

When you pre-qualify for a mortgage, you are able to shop for your home with the peace of mind that your financing is in place. When pre-qualified, the process from sales contract to closing moves along more quickly and with more predictable timelines.

You may download our Pre-Qualification Application (PDF); complete the form and return it to us to start your pre-qualification process.

Mail or bring your completed application to:

Bank of the James Mortgage
17000 Forest Road, Suite 2
Forest, VA 24551

You may also fax your completed application to: 434-534-8091

Thank you for considering Bank of the James Mortgage for your home finance needs.

Required Information

The following items and documentation will be needed to process your mortgage application:

  • W-2s for each applicant for the past two years and current pay stubs
  • Payment history for landlord/mortgage company for the past two years
  • Employment information – two year history
  • Contract of sale and legal description (unless applying for pre-qualification)
  • Bank name, account numbers and balances (all accounts)
  • Bank statements (all accounts) for the last two months
  • Open loans – names, addresses, account numbers, balances and monthly payments
  • Loan information on other real estate owned
  • Certificate of Eligibility/DD214 (VA loans only)
  • Check for credit report and appraisal
  • Self-employed: tax returns, schedules,
  • Year-to-date P&L and balance sheets for the past two years
  • Photocopy of driver’s license or government issued ID

Mortgage loans are subject to credit approval.

Looking for more information?

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