Be ready! Get pre-qualified.

Today’s market is hot! When you come across the perfect property, you need to be ready to make the move. Sales are turning so quickly – pre-approval will ensure that you can be the first to make that important offer and close the deal. Be ready – have peace of mind in knowing that you have your documentation in order and that you’re pre-qualified when that home hits the market. We’re here to help!

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

Pre-Qualification Application

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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.

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.