Get Moving with Jeffrey Witherwax
270 Genesee Street
Utica NY. 13502
Monday through Friday – 8:00 a.m. to 5:00 p.m.
Fax Number: 315-738-8720
Servicing both Oneida and Herkimer counties, I have over a decade of experience working for NBT Bank. I pride myself on the level of service I provide to my clients and communicating with you about our wide array of mortgage products. Whether you are interested in financing your first home, vacation property or constructing a forever home, I am here to guide you through the entire process.
Ready to Apply?
Please Have These Items Ready
- Current and Previous Addresses (2 years)
- Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
- Current and Previous Employment Information and dates (2 years)
- Sources and income amounts for all borrowers
a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
c. If retirement income, award letter, 1099 or equivalent documentation
- Bank Account Statements (2 months)
- Current monthly housing expenses such as rent and mortgage payments
- Property address and Estimated Market Value for properties you own, including taxes & insurance
- If working with a real estate agent, their name, company and phone number
Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.