

JUAN C CASTELLANOS
- Licensed Real Estate Broker ⎜Founder
- VANTAGE 1 LLC・19495 Biscayne Blvd ・Suite 805 ・Aventura, FL 33180
- E-Mail: Juan@Vantage.Miami ☚
- Cell & WhatsApp: +1 (917) 209-4369
- Web: Vantage.Miami
CHARLES HAIME
- Licensed Real Estate Sales Person⎜ Founder
- VANTAGE 1 LLC・19495 Biscayne Blvd・Suite 805・Aventura, FL 33180
- E-Mail: Charles@Vantage.Miami ☚
- Cell & WhatsApp: +1 (786) 797-3533
- Web: Vantage.Miami

► MIAMI BEACH – VENETIAN ISLES |
1000 Venetian Way ⎜SALE⎜RENT |
Costa Brava ⎜SALE⎜RENT |
Grand Venetian ⎜SALE⎜RENT |
Nine Island ⎜SALE⎜RENT |



JUAN C CASTELLANOS
- Licensed Real Estate Broker ⎜Founder
- VANTAGE 1 LLC・19495 Biscayne Blvd ・Suite 805 ・Aventura, FL 33180
- E-Mail: Juan@Vantage.Miami ☚
- Cell & WhatsApp: +1 (917) 209-4369
- Web: Vantage.Miami
CHARLES HAIME
- Licensed Real Estate Sales Person⎜ Founder
- VANTAGE 1 LLC・19495 Biscayne Blvd・Suite 805・Aventura, FL 33180
- E-Mail: Charles@Vantage.Miami ☚
- Cell & WhatsApp: +1 (786) 797-3533
- Web: Vantage.Miami


RENTAL APPLICATION GUIDELINES
TYPICALL QUALIFICATION REQUIREMENTS
- 40X the Monthly Rent (tenants)
- 80X the Monthly Rent (guarantors)
- Application Fee (TBD)
DOCUMENTS YOU’LL NEED:
- Photo ID (drivers license or passport)
- Employer letter on letterhead stating job title, length of employment, salary and expected bonus.
- Copies of last two pay-stubs
- Copies of last three bank statements
- Copies of last two tax returns
- Copies of last two W2s
- Asset Documents Official docs with the value of assets, stocks, real estate, etc
- Contact information Names, phone numbers, addresses and emails) of all past landlords, your employer, and your guarantor.
OPTIONAL BUT RECOMMENDED:
- Letters from past landlords On letterhead, saying you’re a great tenant, pays on time, etc…
- Four letters of reference Two professional (bosses, professors) and two personal (family, friends) stating you’re a trustworthy person.
PURCHASE APPLICATION GUIDELINES
DOCUMENTS YOU’LL NEED FOR THE MORTGAGE APPLICATION
Mortgage lenders simply want to make sure that you can afford your home loan and that you are likely to repay it as agreed. They must comply with government regulations requiring them to prove that they have evaluated you lawfully.
EMPLOYMENT AND INCOME VERIFICATION
- Pay stubs covering one month or most recent Leave and Earnings Statement from the military
- Last two years’ W2s
- If self-employed, a commissioned employee (25% percent or higher), an employee with unreimbursed business expenses or real estate income, you’ll supply at least your last two tax returns. For income that is highly variable or unusual, you may need additional years
- If you own a business, you need at least two years’ business tax returns
- Proof of receipt for Social Security, pension, public assistance (if using to qualify) or other income. This usually means an award letter, check stub, or direct deposit
- Divorce decree and settlement paperwork for separate maintenance (if applicable)
- Explanation letter for employment gaps
ASSETS
- Two months’ bank statements for checking and savings accounts
- Two months’ statements for investment and retirement accounts
- Information for real estate already owned (use, income, if it’s on the market, estimated value, mortgages)
PERSONAL INFORMATION
- Government-issued ID
- Previous addresses for the past two years
- Dates of birth and years of school completed
- Social Security numbers for all applicants
- Race and Ethnicity information (for government monitoring – requested on all mortgage loans)
- State and county in which you plan to purchase
- Number and age of any dependents
PROPERTY DETAILS
- Purchase contract accepted and signed by you and the seller (if you have one picked out)
- Name and contact information for the homeowner’s insurance agent you will use
- Name and phone number for the homeowner’s association, if applicable
CREDIT AND LIABILITIES
- Your loan officer will check your credit score by pulling a credit report that shows your accounts, but on occasion, the information may be outdated, missing, or erroneous. That information is incorporated into your mortgage application, and you’re responsible for its review and confirmation
- Explanation for credit score mishaps
- Divorce decree and settlement paperwork for child or spousal support expenses (if applicable)
- Bankruptcy and discharge paperwork (if applicable)
- Documentation disproving any erroneous items on your credit report
For a full breakdown of all paperwork, download our (PDF) home buying checklist.